{ "schemaVersion": "deck-intelligence.v1", "id": "019de515-a005-739c-8f15-475fbf377e83", "slug": "a9e56d2a62f82ed44039a3248719bbe6", "title": "Dave | Results Presentation Deck | 37 slides", "subtitle": "Dave · 2023-05", "author": "Dave", "date": "2023-05-01 00:00:00", "pageCount": 37, "kind": "conference-presentation", "orientation": "landscape", "aspectRatio": 1.7777778, "document": { "id": "019de515-a005-739c-8f15-475fbf377e83", "slug": "a9e56d2a62f82ed44039a3248719bbe6", "title": "Dave | Results Presentation Deck | 37 slides", "rawTitle": "Dave | Results Presentation Deck | 37 slides", "authorId": "dave", "authorName": "Dave", "authorDisplay": "Dave", "kind": { "slug": "conference-presentation", "label": "Conference presentation" }, "sourceType": { "slug": "investor_relations", "label": "Investor relations" }, "fileName": "2023-05__dave__results__a9e56d2a.pdf", "sourceUrl": "https://www.slidebook.io/company/dave/presentation/a9e56d2a62f82ed44039a3248719bbe6/", "sourceDate": "2023-05-09 00:00:00", "presentationDate": "2023-05-01 00:00:00", "ingestedAt": "2026-05-01 19:48:13.020956+00", "status": "ready", "pageCount": 37, "orientation": "landscape", "aspectRatio": 1.7777778, "targetCompany": null, "targetTicker": null, "metadata": { "corpus": "slidebook", "industry": "software-application", "local_root": "/Users/miguelsuredasuau/Desktop/lalalalla/_scrape/slidebook/decks/2023-05__dave__results__a9e56d2a", "image_width": 1920, "image_format": "jpg", "deck_type_raw": "Results Presentation Deck", "deck_type_slug": null, "source_url_pattern": "https://www.slidebook.io/company/{company_slug}/presentation/{deck_id}/" } }, "coverage": { "pageCount": 37, "pagesIndexed": 37, "pagesWithImages": 37, "pagesWithMetadata": 37, "imageCoveragePct": 100, "metadataCoveragePct": 100, "componentCount": 190, "chartCount": 17, "metricSlides": 0, "toolMatches": 12, "documentToolMatches": 0, "frameworkMatches": 0, "arcMatches": 1, "beatMatches": 5, "loopMatches": 2, "patternMatches": 0, "storymakersMatch": false, "scoreAvailable": false, "reviewAvailable": false, "activistThesisAvailable": false, "pitchdeckMetadataAvailable": false, "pitchdeckProfileAvailable": false }, "blocks": [], "matches": { "arcs": [ { "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null, "categoryName": "Narrative & Transformation", "categorySlug": "narrative-transformation" }, "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "evidence": "The deck's structure and content follow a logical sparkline narrative", "isPrimary": true, "confidence": 0.8, "extraction": { "at": "2026-07-16 23:07:45.898951+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "beats": [ { "to": 4, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null, "categoryName": "Narrative & Transformation", "categorySlug": "narrative-transformation" }, "from": 1, "name": "Setup", "beatId": "6f340741-bd2a-492c-98c0-02235e25dda9", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. Almost every arc opens here." }, "evidence": "Introduction to the presentation and disclaimer", "position": 0, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 }, { "to": 9, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null, "categoryName": "Narrative & Transformation", "categorySlug": "narrative-transformation" }, "from": 5, "name": "Problem", "beatId": "8dd59809-9791-4c2e-83d6-47621545ad3f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Problem (Identify pain)", "slug": "problem-agitate-solution-problem-identify-pain", "status": "active", "canonId": "019dd9b8-0e78-74bb-b8f6-54348367a131", "version": 1, "description": null }, "evidence": "Presentation of market sizing and business strategy", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 }, { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null, "categoryName": "Narrative & Transformation", "categorySlug": "narrative-transformation" }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 }, { "to": 30, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null, "categoryName": "Narrative & Transformation", "categorySlug": "narrative-transformation" }, "from": 22, "name": "Impact & Next Steps", "beatId": "618dfb2f-2c29-42fa-b32e-f62e4a60402f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Impact & Next Steps", "slug": "consultants-gambit-impact-next-steps", "status": "active", "canonId": "019dd9b8-0849-7728-9ee9-fd1609c4c655", "version": 1, "description": null }, "evidence": "Discussion of business strategy and path to profitability", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 }, { "to": 37, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null, "categoryName": "Narrative & Transformation", "categorySlug": "narrative-transformation" }, "from": 31, "name": "Appendix", "beatId": "b1c7031a-197b-4429-9f35-74aeb400a94d", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": null, "evidence": "Additional information and supporting data", "position": 4, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 9, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null, "categoryName": "Urgency", "categorySlug": "urgency" }, "matchId": "d78670d5-0d38-4610-aa4d-bd7257e2e6b0", "evidence": "The presentation emphasizes the solid growth trajectory of the addressable market", "position": 0, "objective": "Highlight the importance of Dave's business strategy", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.125661+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } }, { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null, "categoryName": "Consulting Framework", "categorySlug": "consulting-framework" }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "tools": [ { "tool": { "name": "Slide recipe: Cover", "slug": "cover-slide", "status": "active", "bestFor": null, "canonId": "019df269-2a08-767d-9128-e7431e6fe8a3", "version": 1, "bodyDocId": "019df269-29e5-7738-b5fa-6892e5dc8e65", "description": "The first ten seconds. Build it deliberately.", "familyLabel": "slide-recipe", "categoryName": "Slide", "categorySlug": "slide" }, "agent": "designer", "layer": "slide", "agents": [ "designer" ], "matchId": "9ed5fab5-18b1-4050-988a-5bc1eab123b5", "evidence": "1Q23 Earnings Presentation", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 03:47:26.29378+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 1, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Storytelling: audience calibration", "slug": "audience", "status": "active", "bestFor": null, "canonId": "019df269-23ea-723a-87c0-af1d78d702d2", "version": 1, "bodyDocId": "019df269-23c5-72ec-8b94-78fc1da7b656", "description": "The same thesis, written for four different audiences, produces four", "familyLabel": "narrative-block", "categoryName": "Narrative & Transformation", "categorySlug": "narrative-transformation" }, "agent": "storyteller", "layer": "slide", "agents": [ "storyteller" ], "matchId": "262fb09c-f8cd-485c-8afa-0f287f6ebe51", "evidence": "OUR STRATEGY Build a superior banking solution for everyday Americans.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 03:47:26.426491+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 4, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Market Segmentation Pyramid", "slug": "market-segmentation-pyramid", "status": "active", "bestFor": null, "canonId": "1c9f3543-c96f-4a5b-b4a4-9b2a412c0aaf", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "743a3c85-6320-42ba-9714-22a20f0c42fd", "evidence": "list/bullet: Financially Coping and Financially Vulnerable", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 03:46:49.357676+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "AIDA Model", "slug": "aida-model", "status": "active", "bestFor": null, "canonId": "019dd956-86fc-773c-813f-d416714b8413", "version": 1, "bodyDocId": null, "description": "Attention, Interest, Desire, Action - classic persuasion sequence", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "f1a1020f-aab8-4887-8db5-6e88544354b8", "evidence": "title/action-title: Achieve highly-efficient CAC and then deepening into long-term banking relationships", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 03:46:49.425876+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 6, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "fc375974-1b0f-4a79-bb46-21960be1692d", "evidence": "table/data: ExtraCash Attribute, Benefits to Member, Benefits to Dave", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 03:46:49.493599+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 7, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "3aebf7a1-fced-4eed-ace4-280ae4d18ef5", "evidence": "type: section_divider", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:44:21.57543+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 9, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "6e693ced-e772-403a-b6be-21ac6a76b458", "evidence": "type: section_divider", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:44:21.732642+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 12, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "6da1283e-ce11-4283-a5d2-146e5bd7d226", "evidence": "chart/bar-vertical: 28 Day Average Quarterly Delinquency Rate", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:44:25.428112+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 20, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Deploy / Reshape / Invent (BCG)", "slug": "bcg-deploy-reshape-invent", "status": "active", "bestFor": null, "canonId": "019de52d-2044-72cc-b402-2511b4663d84", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "6c11e23d-0b4e-4c48-9127-f9315dfa33d6", "evidence": "diagram/process: Acquire, Engage, Deepen", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 01:44:25.5572+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 22, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Flywheel", "slug": "flywheel", "status": "active", "bestFor": null, "canonId": "019de52d-1ad8-75ab-9027-a40365590152", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "10f3c8a9-119c-4be9-997a-39dd5077fe7f", "evidence": "paragraph/paragraph: Growing Dave Card adoption amongst Members is driving more transactions per active, deeping the daily use case we have with our Members.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 01:44:25.687079+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 24, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "cfb1c2e0-b2f5-4911-a3ec-193eefd856c9", "evidence": "CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:44:21.862893+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 34, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "0eaf91b5-1d35-4209-9a76-c79b84843aa2", "evidence": "RECONCILIATION OF OPERATING REVENUES, NET TO NON-GAAP OPERATING REVENUES", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:44:21.983507+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 36, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "patterns": [] }, "storymakers": null, "score": null, "review": null, "activistThesis": null, "pitchdeck": { "metadata": null, "profile": null }, "slides": [ { "page": 1, "type": "setup", "function": "front_matter", "imagePath": "https://imgproxy.kitesheet.com/0TyvF71rPu01AKCOl5vfBzLUGzaPEH0mcgnthfBSLHo/rs:fit:1200:1200:0/q:82/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9hOWU1NmQyYTYyZjgyZWQ0NDAzOWEzMjQ4NzE5YmJlNi9wMDAxLmpwZw", "rawType": "cover", "block": null, "metadata": { "slideType": "cover", "slideTypeCanon": { "name": "Cover", "slug": "cover", "status": "active", "canonId": "019de52d-05f2-729d-9f93-e0504f0a2410", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "balanced", "densityScore": 43, "componentCount": 5, "textChars": 179, "nDataPoints": 2, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:26.64+00", "seconds": 4.649, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/1", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-1", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.35, "w": 0.205, "x": 0.545, "y": 0.49166666666666664 }, "kind": "image", "text": "Dave debit card with a bear mascot.", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Illustration", "slug": "illustration", "status": "active", "canonId": "019de52c-fe76-7772-a5ac-c0b7294d7615", "version": 1, "description": null }, "framework": null }, "subkind": "illustration", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:26.64+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "46998234-ad0d-4e22-982f-3dc9f55d1a70", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.185, "x": 0.07083333333333333, "y": 0.25 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:26.64+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "160ede1e-fcf1-46a9-aca4-63117cd9568c", "parentComponentId": null }, { "bbox": { "h": 0.65, "w": 0.305, "x": 0.595, "y": 0.24166666666666667 }, "kind": "image", "text": "Dave mobile app interface showing available balance of $100 and an ExtraCash advance approval for $175.", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Screenshot", "slug": "screenshot", "status": "active", "canonId": "019de52c-fd87-7509-8391-3d79fb339379", "version": 1, "description": null }, "framework": null }, "subkind": "screenshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:26.64+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e7878eed-e95e-430f-a388-e7a8d081fdaa", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.135, "x": 0.07083333333333333, "y": 0.7125 }, "kind": "paragraph", "text": "May 9, 2023", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:26.64+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "53517961-f468-4a3f-a305-05acc2cb1dfd", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.295, "x": 0.07083333333333333, "y": 0.4583333333333333 }, "kind": "title", "text": "1Q23 Earnings\nPresentation", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:26.64+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e6a0e077-9310-4474-b25a-b0cfe41bff90", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Slide recipe: Cover", "slug": "cover-slide", "status": "active", "bestFor": null, "canonId": "019df269-2a08-767d-9128-e7431e6fe8a3", "version": 1, "bodyDocId": "019df269-29e5-7738-b5fa-6892e5dc8e65", "description": "The first ten seconds. Build it deliberately.", "familyLabel": "slide-recipe", "categoryName": "Slide", "categorySlug": "slide" }, "agent": "designer", "layer": "slide", "agents": [ "designer" ], "matchId": "9ed5fab5-18b1-4050-988a-5bc1eab123b5", "evidence": "1Q23 Earnings Presentation", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 03:47:26.29378+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 1, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 1, "name": "Setup", "beatId": "6f340741-bd2a-492c-98c0-02235e25dda9", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. Almost every arc opens here." }, "evidence": "Introduction to the presentation and disclaimer", "position": 0, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "thumbSrc": "https://imgproxy.kitesheet.com/eRK4YSSmVX5taBm8Apb2H1-vFm8Uyd8AQZ-7lmou3VY/rs:fit:480:480:0/q:78/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9hOWU1NmQyYTYyZjgyZWQ0NDAzOWEzMjQ4NzE5YmJlNi9wMDAxLmpwZw", "imagePathAlt": "https://imgproxy.kitesheet.com/qSrBgz-LsTEhTm6Q8eQ1tQKMN5Hb0y6bo4vR42QNMhY/rs:fit:1200:1200:0/q:82/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9hOWU1NmQyYTYyZjgyZWQ0NDAzOWEzMjQ4NzE5YmJlNi9wMDAxLnBuZw", "thumbSrcAlt": "https://imgproxy.kitesheet.com/6Jg3FYeE1tDPKmyBRasbPX-iVb6AMouekRI4cTkd_qc/rs:fit:480:480:0/q:78/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9hOWU1NmQyYTYyZjgyZWQ0NDAzOWEzMjQ4NzE5YmJlNi9wMDAxLnBuZw" }, { "page": 2, "type": "setup", "function": "front_matter", "rawType": "disclaimer", "block": null, "metadata": { "slideType": "disclaimer", "slideTypeCanon": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "019de52d-0801-727b-b98a-5ed095aeee78", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 89, "componentCount": 12, "textChars": 8567, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:36.459+00", "seconds": 13.486, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/2", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-2", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.026, "w": 0.054, "x": 0.035, "y": 0.926 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3487a78b-1b79-43ce-a5a5-c30816a0f74f", "parentComponentId": null }, { "bbox": { "h": 0.013, "w": 0.007, "x": 0.97, "y": 0.936 }, "kind": "legend", "text": "2", "attrs": null, "canon": { "kind": { "name": "Legend", "slug": "legend", "status": "active", "canonId": "31361933-3d22-4c70-bbad-0801e9fffc0c", "version": 1, "description": "Color/symbol decoder placed adjacent to a chart or diagram." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "39f6f9c0-f837-4647-89f6-8f2ff6edb298", "parentComponentId": null }, { "bbox": { "h": 0.041, "w": 0.907, "x": 0.048, "y": 0.685 }, "kind": "paragraph", "text": "Should one or more of these risks or uncertainties materialize, or should any of management's assumptions prove incorrect, actual results may vary in material respects from those projected in these forward-looking statements. Dave does not undertake any obligation to update or revise any forward-looking statements, whether\nas a result of new information, future events or otherwise, except as may be required under applicable securities laws. Accordingly, you should not put undue reliance on these statements.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1110adcb-772d-4ba5-97d5-24eabe91ff8c", "parentComponentId": null }, { "bbox": { "h": 0.079, "w": 0.907, "x": 0.048, "y": 0.846 }, "kind": "paragraph", "text": "In this presentation, certain of the above-mentioned projected information has been repeated (in each case, with an indication that the information is an estimate and is subject to the qualifications presented herein), for purposes of providing comparisons with historical data. The assumptions and estimates underlying the\nprospective financial information are inherently uncertain and are subject to a wide variety of significant business, economic and competitive risks and uncertainties that could cause actual results to differ materially from those contained in the prospective financial information. See \"Forward-Looking Statements\" paragraph\nabove. Accordingly, there can be no assurance that the prospective results are indicative of the future performance of Dave or that actual results will not differ materially from those presented in the prospective financial information. Inclusion of the prospective financial information in this presentation should not be regarded as a\nrepresentation by any person that the results contained in the prospective financial information will be achieved.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3e026273-81f9-4e89-9d8f-23d3e238ba49", "parentComponentId": null }, { "bbox": { "h": 0.21, "w": 0.907, "x": 0.048, "y": 0.362 }, "kind": "paragraph", "text": "A number of factors could cause actual results or outcomes to differ materially from those indicated by such forward-looking statements. These factors include, but are not limited to: the highly competitive industries in which Dave competes; the rapid technological developments in Dave's industry necessary to continue providing\nDave's members with new and innovative products and services; if a substantial number of Dave members fail to repay the cash advance they receive; Dave may not be able to scale its business quickly enough to meet Dave members' growing needs; Dave's ability to acquire new members and retain current members or sell\nadditional functionality and services to them; Dave may never achieve or sustain profitability; the uncertain regulatory environment in which Dave operates; Dave may be subject to governmental investigations or other inquiries by state, federal and local governmental authorities; the financial services industry continues to be\ntargeted by new laws or regulations in many jurisdictions in which we operate; extensive regulation and oversight in a variety of areas, including registration and licensing requirements under federal, state and local laws and regulations; stringent and changing laws and regulations relating to privacy and data protection; Dave's\nability to remediate the material weakness in its internal controls over financial reporting; Dave's forecasted operating results and projections rely in large part upon assumptions, analyses and internal estimates developed by Dave's management; fraudulent and other illegal activity involving Dave's products and services; a data\nsecurity breach could expose us to liability and protracted and costly litigation; Dave's ability to maintain the listing of its Class A common stok on Nasdaq; Dave's management has limited experience in operating a public company; Dave transfers funds to members daily, which in the aggregate comprise substantial sums, and\nare subject to the risk of errors; Dave has guaranteed up to $50,000,000 of one of its subsidiary's obligations under a credit facility, and currently that limited guaranty is secured by a first-priority lien against substantially all of Dave's assets; if key banking relationships are terminated, Dave may not able to secure or successfully\nmigrate client portfolios to a new bank partner or partners; Dave depends upon several third-party service providers for processing its transactions and providing other important services; Dave's recent rapid growth, including growth in Dave's volume of payments, may not be indicative of future growth.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "48105cd9-adc4-44c6-90d9-429b962d3205", "parentComponentId": null }, { "bbox": { "h": 0.068, "w": 0.907, "x": 0.048, "y": 0.93 }, "kind": "paragraph", "text": "INDUSTRY AND MARKET DATA\nIn this presentation, Dave relies on and refers to information and statistics regarding the sectors in which Dave competes and other industry data. Dave obtained this information and statistics from third-party sources, including reports by market research firms. Although Dave believes these sources are reliable, the Company\nhas not independently verified the information and does not guarantee its accuracy and completeness. Dave has supplemented this information where necessary with information from discussions with Dave members and Dave's own internal estimates, taking into account publicly available information about other industry\nparticipants and Dave's management's best view as to information that is not publicly available.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6ff75f8f-d250-428b-8951-88ad5dad6412", "parentComponentId": null }, { "bbox": { "h": 0.054, "w": 0.907, "x": 0.048, "y": 0.62 }, "kind": "paragraph", "text": "Accordingly, forward-looking statements, including any projections or analysis, should not be viewed as factual and should not be relied upon as an accurate prediction of future results. The forward-looking statements contained in this presentation are based on the Company's current expectations and beliefs concerning future\ndevelopments and their potential effects on Dave. These forward-looking statements involve a number of risks, uncertainties (some of which are beyond our control), or other assumptions that may cause actual results or performance to be materially different from those expressed or implied by these forward-looking statements.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8cda2411-7f35-4691-93e8-63cbdf89d962", "parentComponentId": null }, { "bbox": { "h": 0.027, "w": 0.907, "x": 0.048, "y": 0.584 }, "kind": "paragraph", "text": "You are cautioned not to place undue reliance upon any forward-looking statements, including the projections, which speak only as of the date made. Dave does not undertake any commitment to update or revise the forward-looking statements, whether as a result of new information, future events or otherwise.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9cfd128f-cd3b-4991-af98-b9f4cb4a749e", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.39, "x": 0.048, "y": 0.174 }, "kind": "paragraph", "text": "REGARDING FORWARD-LOOKING STATEMENTS", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a45ccf7a-281c-4665-aa6b-d4f509c5b2c7", "parentComponentId": null }, { "bbox": { "h": 0.095, "w": 0.907, "x": 0.048, "y": 0.741 }, "kind": "paragraph", "text": "USE OF PROJECTIONS\nThis presentation contains financial forecasts with respect to certain financial measurements of Dave, including, but not limited to Dave's projected Non-GAAP Revenue, Non-GAAP Variable Margin, and Non-GAAP Adjusted EBITDA for Dave's fiscal year 2023. Such projected financial information constitutes forward-looking\ninformation, and is for illustrative purposes only and should not be relied upon as necessarily being indicative of future results. Dave's independent registered public accounting firm did not audit, review, compile, or perform any procedures with respect to the projections for the purpose of their inclusion in this presentation, and\naccordingly, it did not express an opinion or provide any other form of assurance with respect thereto for the purpose of this presentation. These projections should not be relied upon as being necessarily indicative of future results. Dave does not undertake any commitment to update or revise the projections, whether as a result\nof new information, future events or otherwise.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b2b49d4b-591b-46f8-9de1-c8bc8a909941", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.907, "x": 0.048, "y": 0.21 }, "kind": "paragraph", "text": "FORWARD-LOOKING STATEMENTS\nThis presentation of Dave Inc. (\"Dave\" or the \"Company\") includes \"forward-looking statements\" within the meaning of the \"safe harbor\" provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as \"future,\" \"growth,\" \"opportunity,\"\n\"well-positioned,\" \"forecast,\" \"intend,\" \"seek,\" \"target,\" \"anticipate,\" \"believe,\" \"expect,\" \"estimate,\" \"plan,\" \"outlook,\" and \"project\" and other similar expressions that predict or indicate future events or trends or that are not statements of historical matters. Such forward-looking statements include, but are not limited to, projected\nfinancial information, statements regarding estimates and forecasts of other financial and performance metrics, projected costs, and projections of market opportunity. Such forward-looking statements with respect to revenues, earnings, performance, strategies, prospects and other aspects of the business of Dave are based on\ncurrent expectations that are subject to risks and uncertainties. These statements are based on various assumptions, whether or not identified in this presentation, and on the current expectations of Dave's management and are not predictions of actual performance. These forward-looking statements are provided for illustrative\npurposes only and are not intended to serve as, and must not be relied on by any investor as, a guarantee, an assurance, a prediction or a definitive statement of fact or probability.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "dc2c4dc9-9510-4f02-b672-212a8228fad7", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.202, "x": 0.045, "y": 0.07 }, "kind": "title", "text": "Disclaimer", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.459+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b775bfce-c255-45ff-9a30-0636b5767b1e", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 1, "name": "Setup", "beatId": "6f340741-bd2a-492c-98c0-02235e25dda9", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. Almost every arc opens here." }, "evidence": "Introduction to the presentation and disclaimer", "position": 0, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 3, "type": "setup", "function": "front_matter", "rawType": "disclaimer", "block": null, "metadata": { "slideType": "disclaimer", "slideTypeCanon": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "019de52d-0801-727b-b98a-5ed095aeee78", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 84, "componentCount": 8, "textChars": 3931, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:29.856+00", "seconds": 6.879, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/3", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-3", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.069, "x": 0.045, "y": 0.917 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.856+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d477773e-b0de-4790-b2bc-e5112dfad033", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.909, "x": 0.045, "y": 0.172 }, "kind": "paragraph", "text": "USE OF NON-GAAP FINANCIAL MEASURES\nThe financial information and data contained in this presentation is unaudited and does not conform to Regulation S-X promulgated under the Securities Act of 1933, as amended. Accordingly, such information and data may not be included in, may be adjusted in or may be presented differently in, any filing Dave makes with the SEC.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.856+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "11980ca1-ade0-4713-af43-0cf8fe19516f", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.909, "x": 0.045, "y": 0.456 }, "kind": "paragraph", "text": "These non-GAAP financial measures may be helpful to the user in assessing our operating performance and facilitates an alternative comparison amongst fiscal periods. The Company's management team uses these non-GAAP financial measures in assessing performance, as well as in planning and forecasting future periods. These non-GAAP financial measures are not computed according to GAAP and the methods the Company uses to compute them may differ from the methods used by other companies. Non-GAAP financial measures are supplemental, should not be considered a substitute for financial information presented in accordance with GAAP and should be read only in conjunction with our consolidated financial statements prepared in accordance with GAAP.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.856+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6088dce5-24a6-4261-9eed-a927830ff97f", "parentComponentId": null }, { "bbox": { "h": 0.105, "w": 0.909, "x": 0.045, "y": 0.61 }, "kind": "paragraph", "text": "TRADEMARKS AND TRADE NAMES\nDave owns or has rights to various trademarks, service marks and trade names that it uses in connection with the operation of its business. This presentation also contains trademarks, service marks and trade names of third parties, which are the property of their respective owners. The use or display of third parties' trademarks, service marks, trade names or products in this presentation is not intended in, and does not imply, a relationship with Dave, or an endorsement or sponsorship by or of Dave. Solely for convenience, the trademarks, service marks and trade names referred to in this presentation may appear without the ®, TM or SM symbols, but such references are not intended to indicate, in any way, that Dave will not assert, to the fullest extent under applicable law, its rights or the right of the applicable licensor in these trademarks, service marks and trade names.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.856+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "74166c88-db9d-443e-a62e-167bf976b991", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.909, "x": 0.045, "y": 0.56 }, "kind": "paragraph", "text": "Other companies may calculate non-GAAP measures differently, and therefore the non-GAAP measures of Dave included in this presentation may not be directly comparable to similarly titled measures of other companies.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.856+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a5e99c45-387a-479e-8554-c191edf0367f", "parentComponentId": null }, { "bbox": { "h": 0.199, "w": 0.909, "x": 0.045, "y": 0.235 }, "kind": "paragraph", "text": "This presentation contains references to Adjusted EBITDA, non-GAAP operating revenues, non-GAAP variable operating expenses, non-GAAP variable profit and non-GAAP variable profit margin of Dave, which are adjusted from results based on generally accepted accounting principles in the United States (\"GAAP\") and exclude certain expenses, gains and losses. The Company defines and calculates Adjusted EBITDA as net loss attributable to Dave before the impact of interest income or expense, provision for income taxes, depreciation and amortization, and adjusted to exclude legal settlement and litigation expenses, other strategic financing and transaction expenses, stock-based compensation expense, and certain other non-core items. The Company defines and calculates non-GAAP operating revenues as operating revenues, net excluding direct loan origination costs, ATM costs, and interchange fees. The Company defines and calculates non-GAAP operating expenses as operating expenses excluding non-variable operating expenses. The Company defines non-variable operating expenses as all advertising and marketing operating expenses, compensation and benefits operating expenses, and certain operating expenses (legal, rent, technology/infrastructure, depreciation, amortization, charitable contributions, other operating expenses, one-time Member account activation costs and non-recurring Dave Card expenses). The Company defines and calculates non-GAAP variable profit as non-GAAP operating revenues excluding non-GAAP operating expenses. The Company defines and calculates non-GAAP variable profit margin as non-GAAP variable profit as a percent of non-GAAP operating revenues.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.856+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "dc807bb6-46a5-4391-ba53-fb79c9f40162", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.008, "x": 0.95, "y": 0.923 }, "kind": "source-note", "text": "3", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.856+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bd1b2257-2cb5-4dd8-b0f1-59946b5554a3", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.24, "x": 0.045, "y": 0.083 }, "kind": "title", "text": "Disclaimer", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.856+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fb39d669-d56c-4f71-a88c-7325bebcd68b", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 1, "name": "Setup", "beatId": "6f340741-bd2a-492c-98c0-02235e25dda9", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. Almost every arc opens here." }, "evidence": "Introduction to the presentation and disclaimer", "position": 0, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 4, "type": "appendix", "function": "establish_context", "rawType": "other", "block": null, "metadata": { "slideType": "other", "slideTypeCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-0af5-71ed-83de-d51ae245fc43", "version": 1, "description": null }, "function": "establish_context", "functionCanon": { "name": "Establish context", "slug": "establish_context", "status": "active", "canonId": "019de52d-1314-74e6-9074-d213dc0bdcdf", "version": 1, "description": null }, "density": "balanced", "densityScore": 36, "componentCount": 5, "textChars": 141, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:27.525+00", "seconds": 4.111, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/4", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-4", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.129, "w": 0.36, "x": 0.045, "y": 0.763 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:27.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "06a63b67-784a-473d-934d-26ae27e8f909", "parentComponentId": null }, { "bbox": { "h": 0.66, "w": 0.36, "x": 0.59, "y": 0.17 }, "kind": "image", "text": null, "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Photo", "slug": "photo", "status": "active", "canonId": "019de52c-fd37-757f-b4a8-ca26d4888875", "version": 1, "description": null }, "framework": null }, "subkind": "photo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:27.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f7959cbb-6c87-4ed2-b6a9-0dec65824ca3", "parentComponentId": null }, { "bbox": { "h": 0.202, "w": 0.516, "x": 0.045, "y": 0.123 }, "kind": "paragraph", "text": "OUR MISSION\nBuild products that level the financial playing field.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:27.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a0f2ffdc-df0b-49ab-8d7d-e1383a622910", "parentComponentId": null }, { "bbox": { "h": 0.269, "w": 0.516, "x": 0.045, "y": 0.403 }, "kind": "paragraph", "text": "OUR STRATEGY\nBuild a superior banking solution for everyday Americans.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:27.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cda37956-efb1-47bb-bb00-5ce28f5f60d1", "parentComponentId": null }, { "bbox": { "h": 0.018, "w": 0.01, "x": 0.953, "y": 0.923 }, "kind": "source-note", "text": "4", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:27.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1eb6b0eb-1206-4bbb-b418-aff44a4d15fb", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Storytelling: audience calibration", "slug": "audience", "status": "active", "bestFor": null, "canonId": "019df269-23ea-723a-87c0-af1d78d702d2", "version": 1, "bodyDocId": "019df269-23c5-72ec-8b94-78fc1da7b656", "description": "The same thesis, written for four different audiences, produces four", "familyLabel": "narrative-block", "categoryName": "Narrative & Transformation", "categorySlug": "narrative-transformation" }, "agent": "storyteller", "layer": "slide", "agents": [ "storyteller" ], "matchId": "262fb09c-f8cd-485c-8afa-0f287f6ebe51", "evidence": "OUR STRATEGY Build a superior banking solution for everyday Americans.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 03:47:26.426491+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 4, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 1, "name": "Setup", "beatId": "6f340741-bd2a-492c-98c0-02235e25dda9", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. Almost every arc opens here." }, "evidence": "Introduction to the presentation and disclaimer", "position": 0, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 5, "type": "resolution", "function": "size_opportunity", "rawType": "market_sizing", "block": null, "metadata": { "slideType": "market_sizing", "slideTypeCanon": { "name": "Market sizing", "slug": "market_sizing", "status": "active", "canonId": "019de52d-08c8-756c-8664-733b73a7ee7b", "version": 1, "description": null }, "function": "size_opportunity", "functionCanon": { "name": "Size opportunity", "slug": "size_opportunity", "status": "active", "canonId": "019de52d-147b-7568-8828-a74a27697618", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 75, "componentCount": 6, "textChars": 695, "nDataPoints": 5, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:28.918+00", "seconds": 4.411, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/5", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-5", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.31, "w": 0.304, "x": 0.586, "y": 0.563 }, "kind": "list", "text": "Financially Coping\n139MM\nSpending ~ Income\nModerate near-term savings; insufficient\nlong-term savings\nOverdraft several times per year\nNeed help building credit\nNeed access to affordable credit", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.918+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1daf2375-63b5-4357-b510-e0c9ab06f1ad", "parentComponentId": null }, { "bbox": { "h": 0.31, "w": 0.316, "x": 0.158, "y": 0.563 }, "kind": "list", "text": "Financially Vulnerable\n37MM\nSpending > Income\nMinimal savings\nOverdraft 10-20x per year\nNeed help building credit\nNeed to find new work opportunities", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.918+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3ef60f98-6a8c-4e7d-aa08-fc8cd32718ab", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.422, "x": 0.289, "y": 0.328 }, "kind": "metric", "text": "TAM = 176MM Customers", "attrs": {}, "canon": { "kind": { "name": "Metric", "slug": "metric", "status": "active", "canonId": "019de52c-f923-73bf-8081-d0b1a8c5264d", "version": 1, "description": "Big-number or KPI value." }, "tool": null, "subkind": { "name": "Big number", "slug": "big-number", "status": "active", "canonId": "019de52c-fc70-70c8-b965-0584548a9204", "version": 1, "description": null }, "framework": null }, "subkind": "big-number", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.918+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2f3260ec-8b0c-472d-947e-e4568c7c8d5e", "parentComponentId": null }, { "bbox": { "h": 0.026, "w": 0.48, "x": 0.26, "y": 0.399 }, "kind": "paragraph", "text": "6% Y-o-Y Growth (9MM Customers) in 2022", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.918+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8d4f2ba1-316f-4320-a329-4c6a42961244", "parentComponentId": null }, { "bbox": { "h": 0.043, "w": 0.757, "x": 0.108, "y": 0.92 }, "kind": "source-note", "text": "Note: TAM = total addressable market.\nSource: Financial Health Network's \"Financial Health Pulse 2022 U.S. Trends Report\"; 176 million represents the total number of financially vulnerable and financial coping consumers in that study.", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.918+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e48a4f92-805b-48f1-b768-ba827e33b8e4", "parentComponentId": null }, { "bbox": { "h": 0.149, "w": 0.837, "x": 0.045, "y": 0.101 }, "kind": "title", "text": "Large addressable market exhibiting solid growth trajectory", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.918+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2d98824e-2aa8-47dc-962f-4edad9d3ed6b", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Market Segmentation Pyramid", "slug": "market-segmentation-pyramid", "status": "active", "bestFor": null, "canonId": "1c9f3543-c96f-4a5b-b4a4-9b2a412c0aaf", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "743a3c85-6320-42ba-9714-22a20f0c42fd", "evidence": "list/bullet: Financially Coping and Financially Vulnerable", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 03:46:49.357676+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 5, "name": "Problem", "beatId": "8dd59809-9791-4c2e-83d6-47621545ad3f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Problem (Identify pain)", "slug": "problem-agitate-solution-problem-identify-pain", "status": "active", "canonId": "019dd9b8-0e78-74bb-b8f6-54348367a131", "version": 1, "description": null }, "evidence": "Presentation of market sizing and business strategy", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 9, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "d78670d5-0d38-4610-aa4d-bd7257e2e6b0", "evidence": "The presentation emphasizes the solid growth trajectory of the addressable market", "position": 0, "objective": "Highlight the importance of Dave's business strategy", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.125661+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 6, "type": "setup", "function": "propose_solution", "rawType": "propose_solution", "block": null, "metadata": { "slideType": "propose_solution", "slideTypeCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-1274-703c-81c6-5550f451697b", "version": 1, "description": null }, "function": "propose_solution", "functionCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-185b-74e9-bdfd-ea8cf318563f", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 75, "componentCount": 7, "textChars": 675, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:29.098+00", "seconds": 4.555, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/6", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-6", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.06, "x": 0.048, "y": 0.91 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.098+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c7349286-b035-44bc-a2bf-e9c3073423af", "parentComponentId": null }, { "bbox": { "h": 0.29, "w": 0.26, "x": 0.718, "y": 0.43 }, "kind": "list", "text": "Deepen\n• Dave Card offers members a full service, no mandatory fee banking solution\n• Creates longer-term payments relationship with instant spending and early paycheck access", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.098+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1bbbd971-3b86-4f0e-b6bf-de1ff382b316", "parentComponentId": null }, { "bbox": { "h": 0.26, "w": 0.23, "x": 0.048, "y": 0.43 }, "kind": "list", "text": "Acquire\n• Acquire efficiently by marketing top of mind liquidity pain points\n• Grow prudently to facilitate break-even", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.098+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "73bc121d-87d3-4871-aab4-3021ab068caa", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.26, "x": 0.383, "y": 0.43 }, "kind": "list", "text": "Engage\n• ExtraCash provides short-term advances to members in lieu of expensive overdraft fees\n• Enabled by continuous AI-driven underwriting\n• Capital light product due to short duration\n• Automated settlement", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.098+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "85326a9f-fecf-4f4e-aa23-e3a9d05b1769", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.007, "x": 0.96, "y": 0.91 }, "kind": "source-note", "text": "6", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.098+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d72e9895-04cd-4dd4-b73e-af1cf2e11a84", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.88, "x": 0.048, "y": 0.15 }, "kind": "title", "text": "Achieve highly-efficient CAC by addressing members' most crucial need—Liquidity—and then deepening into long-term banking relationships", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Action title", "slug": "action-title", "status": "active", "canonId": "019de52c-fb31-734c-a0f5-a3935b73135d", "version": 1, "description": null }, "framework": null }, "subkind": "action-title", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.098+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "49dc0478-e1c4-4e81-a031-cfae966cf716", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.69, "x": 0.048, "y": 0.08 }, "kind": "title", "text": "Differentiated business strategy", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.098+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7befafa2-3cad-4fbd-8eee-c55ef696ad4d", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "AIDA Model", "slug": "aida-model", "status": "active", "bestFor": null, "canonId": "019dd956-86fc-773c-813f-d416714b8413", "version": 1, "bodyDocId": null, "description": "Attention, Interest, Desire, Action - classic persuasion sequence", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "f1a1020f-aab8-4887-8db5-6e88544354b8", "evidence": "title/action-title: Achieve highly-efficient CAC and then deepening into long-term banking relationships", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 03:46:49.425876+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 6, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 5, "name": "Problem", "beatId": "8dd59809-9791-4c2e-83d6-47621545ad3f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Problem (Identify pain)", "slug": "problem-agitate-solution-problem-identify-pain", "status": "active", "canonId": "019dd9b8-0e78-74bb-b8f6-54348367a131", "version": 1, "description": null }, "evidence": "Presentation of market sizing and business strategy", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 9, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "d78670d5-0d38-4610-aa4d-bd7257e2e6b0", "evidence": "The presentation emphasizes the solid growth trajectory of the addressable market", "position": 0, "objective": "Highlight the importance of Dave's business strategy", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.125661+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 7, "type": "setup", "function": "propose_solution", "rawType": "propose_solution", "block": null, "metadata": { "slideType": "propose_solution", "slideTypeCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-1274-703c-81c6-5550f451697b", "version": 1, "description": null }, "function": "propose_solution", "functionCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-185b-74e9-bdfd-ea8cf318563f", "version": 1, "description": null }, "density": "dense", "densityScore": 60, "componentCount": 4, "textChars": 1273, "nDataPoints": 3, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:28.957+00", "seconds": 4.165, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/7", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-7", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.49, "w": 0.18, "x": 0.79, "y": 0.269 }, "kind": "image", "text": "Mobile phone screenshot showing Dave's Extra Cash balance and advance of $250, with options to add funds or transfer.", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Screenshot", "slug": "screenshot", "status": "active", "canonId": "019de52c-fd87-7509-8391-3d79fb339379", "version": 1, "description": null }, "framework": null }, "subkind": "screenshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.957+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "96a8a415-0046-4c94-96c6-b0e3037b7342", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.007, "x": 0.963, "y": 0.927 }, "kind": "source-note", "text": "7", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.957+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fb9263e1-f1e2-459f-9207-d39f2a3e08bc", "parentComponentId": null }, { "bbox": { "h": 0.67, "w": 0.73, "x": 0.047, "y": 0.202 }, "kind": "table", "text": "ExtraCash Attribute, Benefits to Member, Benefits to Dave, Advance Size, $25 - $500 Average: ~$154, Bridges gaps between paychecks for essential expenses, e.g. rent, gas, groceries, Efficient CAC by quickly addressing member pain point, Strategic entry point into banking relationship, Term, Typically: 1-2 weeks, Aligns with paycycle to smooth liquidity gaps between paychecks, Capital / balance sheet light, Short duration → rapid underwriting optimization, Underwriting, Cash flow: based per linked bank account data, Instant decisioning, No credit score or relationship requirements, Real-time data allows us to be highly responsive to changes in credit profiles (vs. lagged FICO), How Dave Makes Money, Free Delivery: ACH (1-3 days) Tips: Optional, Members Have Two Options, Express Fee: via debit rails (Instant) Tips: Optional, Fee-free option provides flexibility in price / experience, Consumer friendly, Instant access to funds, More affordable than overdraft fees & other short-term credit, Optionality bolsters CAC efficiency, Tips and express fees provide predictable monetization and favorable unit economics", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.957+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "96c84ae0-96d5-4fce-b412-3ec203397499", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.79, "x": 0.047, "y": 0.068 }, "kind": "title", "text": "Dave's ExtraCash product overview", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.957+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4d7dd825-e3b8-4a82-b53c-631449fc6ddd", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "fc375974-1b0f-4a79-bb46-21960be1692d", "evidence": "table/data: ExtraCash Attribute, Benefits to Member, Benefits to Dave", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 03:46:49.493599+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 7, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 5, "name": "Problem", "beatId": "8dd59809-9791-4c2e-83d6-47621545ad3f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Problem (Identify pain)", "slug": "problem-agitate-solution-problem-identify-pain", "status": "active", "canonId": "019dd9b8-0e78-74bb-b8f6-54348367a131", "version": 1, "description": null }, "evidence": "Presentation of market sizing and business strategy", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 9, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "d78670d5-0d38-4610-aa4d-bd7257e2e6b0", "evidence": "The presentation emphasizes the solid growth trajectory of the addressable market", "position": 0, "objective": "Highlight the importance of Dave's business strategy", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.125661+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 8, "type": "setup", "function": "present_solution", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "present_solution", "functionCanon": { "name": "Present solution", "slug": "present_solution", "status": "active", "canonId": "019de52d-15b8-71da-bd23-2b767850cbce", "version": 1, "description": null }, "density": "dense", "densityScore": 55, "componentCount": 4, "textChars": 1196, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:29.68+00", "seconds": 4.692, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/8", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-8", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.51, "w": 0.17, "x": 0.77, "y": 0.29 }, "kind": "image", "text": "Dave Card image", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Photo", "slug": "photo", "status": "active", "canonId": "019de52c-fd37-757f-b4a8-ca26d4888875", "version": 1, "description": null }, "framework": null }, "subkind": "photo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.68+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7b1ef6cf-55e2-4bc6-bdc4-a45b21401bb3", "parentComponentId": null }, { "bbox": { "h": 0.015, "w": 0.69, "x": 0.113, "y": 0.95 }, "kind": "source-note", "text": "1 Refers to fee income which is paid to us by our bank sponsor, Evolve Bank & Trust, based on Dave Member deposits.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.68+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1a0fddd2-db47-42de-81f9-ee449dbfdeee", "parentComponentId": null }, { "bbox": { "h": 0.69, "w": 0.71, "x": 0.045, "y": 0.199 }, "kind": "table", "text": "Dave Card Attribute\nSpending\nDave Debit Card\nFunding\nExtraCash\nPaycheck\nCheck Deposits\nPayments\nATM Withdrawals\nInstant Withdrawal\nSaving\nGoals Account\nHow Dave Makes Money\nInterchange, incentives, deposit referral fees¹, IW fees, ATM fees\nBenefits to Member\n• Members automatically receive Dave Card bank account\n• Facilitates spending needs\n• ExtraCash instantly available\n• 2 day early access to paychecks\n• Remote check deposit capture\n• Fee-free ATM transactions at network of 40K terminals\n• Instant withdrawal capabilities\n• Allows members to set aside money towards milestones\n• No minimum balances\n• No account maintenance fees\n• No overdraft fees\nBenefits to Dave\n• Builds deeper payment relationship with members\n• Better member retention\n• Incentivizes cross-attach: ExtraCash and Dave Card\n• Fee income on Out of network ATM transactions\n• Instant withdrawal (\"IW\") fees\n• Supports constructive habits with members' finances\n• Primarily merchant & vendor driven revenue streams\n• Consistent revenue stream\n• Zero CAC cross sell", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.68+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "262a3d17-6cd5-48a8-aaef-00d0c6c6fc5a", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.62, "x": 0.045, "y": 0.09 }, "kind": "title", "text": "Dave Card product overview", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.68+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "748a9b26-3ac4-482f-85fb-285fd4139557", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 5, "name": "Problem", "beatId": "8dd59809-9791-4c2e-83d6-47621545ad3f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Problem (Identify pain)", "slug": "problem-agitate-solution-problem-identify-pain", "status": "active", "canonId": "019dd9b8-0e78-74bb-b8f6-54348367a131", "version": 1, "description": null }, "evidence": "Presentation of market sizing and business strategy", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 9, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "d78670d5-0d38-4610-aa4d-bd7257e2e6b0", "evidence": "The presentation emphasizes the solid growth trajectory of the addressable market", "position": 0, "objective": "Highlight the importance of Dave's business strategy", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.125661+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 9, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 8, "componentCount": 3, "textChars": 20, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:28.047+00", "seconds": 3.013, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/9", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-9", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.066, "x": 0.034, "y": 0.913 }, "kind": "image", "text": "Dave logo", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.047+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "be72d902-e14f-4178-b8ae-7a16c6057001", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.01, "x": 0.954, "y": 0.918 }, "kind": "source-note", "text": "9", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.047+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2f76f70a-f43d-486f-9fad-b285938edee9", "parentComponentId": null }, { "bbox": { "h": 0.066, "w": 0.301, "x": 0.084, "y": 0.44 }, "kind": "title", "text": "Highlights", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.047+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "49380693-ac62-4fc8-bc3e-ac12968060db", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "3aebf7a1-fced-4eed-ace4-280ae4d18ef5", "evidence": "type: section_divider", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:44:21.57543+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 9, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 5, "name": "Problem", "beatId": "8dd59809-9791-4c2e-83d6-47621545ad3f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Problem (Identify pain)", "slug": "problem-agitate-solution-problem-identify-pain", "status": "active", "canonId": "019dd9b8-0e78-74bb-b8f6-54348367a131", "version": 1, "description": null }, "evidence": "Presentation of market sizing and business strategy", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 9, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "d78670d5-0d38-4610-aa4d-bd7257e2e6b0", "evidence": "The presentation emphasizes the solid growth trajectory of the addressable market", "position": 0, "objective": "Highlight the importance of Dave's business strategy", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.125661+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 10, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 69, "componentCount": 6, "textChars": 433, "nDataPoints": 12, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:29.786+00", "seconds": 4.511, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/10", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-10", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.61, "w": 0.21, "x": 0.526, "y": 0.256 }, "kind": "chart", "text": "Customer Acquisition Cost: $26 (1Q22) to $16 (1Q23), 39% Y-o-Y Reduction", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.786+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "076a8f59-5b8f-4f8e-acd2-72d629e71fc2", "parentComponentId": null }, { "bbox": { "h": 0.61, "w": 0.21, "x": 0.766, "y": 0.256 }, "kind": "chart", "text": "Adjusted EBITDA: ($18M) (1Q22) to ($5M) (1Q23), 75% Y-o-Y Reduction", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.786+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "63dd54cf-63c4-46c5-948c-bff531d86cf8", "parentComponentId": null }, { "bbox": { "h": 0.61, "w": 0.21, "x": 0.286, "y": 0.256 }, "kind": "chart", "text": "28 Day Delinquency Rate: 3.27% (1Q22) to 2.60% (1Q23), 67bps Y-o-Y Reduction", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.786+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "77d2aec0-eb9c-4e26-ae41-453671a3a5e9", "parentComponentId": null }, { "bbox": { "h": 0.61, "w": 0.21, "x": 0.046, "y": 0.256 }, "kind": "chart", "text": "Quarterly Non-GAAP Revenue: $44M (1Q22) to $61M (1Q23), 39% Y-o-Y Growth", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.786+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d5f8d539-fe5c-4ed3-a273-0fb43ac24d84", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.76, "x": 0.107, "y": 0.926 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Non-GAAP Revenue, 28 Day Delinquency Rate, Customer Acquisition Cost, and Adjusted EBITDA.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.786+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ae377beb-4ae8-4ef8-a736-13d65eca6862", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.34, "x": 0.046, "y": 0.08 }, "kind": "title", "text": "1Q23 highlights", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.786+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7597b6f8-867f-4b4e-916c-79acf6c75eb0", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 11, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "balanced", "densityScore": 39, "componentCount": 3, "textChars": 405, "nDataPoints": 12, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:29.097+00", "seconds": 3.544, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/11", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-11", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.029, "w": 0.72, "x": 0.17, "y": 0.935 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Non-GAAP Revenue and Non-GAAP Variable Profit. Non-GAAP Variable Margin is calculated as Non-GAAP Variable Profit divided by Non-GAAP Revenue.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.097+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d6891add-e051-4728-b78a-5dca1f73f330", "parentComponentId": null }, { "bbox": { "h": 0.62, "w": 0.909, "x": 0.045, "y": 0.22 }, "kind": "table", "text": "Low High Non-GAAP Revenue: $235M $260M Y-o-Y Growth: 11% 23% Non-GAAP Variable Margin: 43% 47% Y-o-Y Improvement: 200bps 600bps Adjusted EBITDA: ($50M) ($35M) Y-o-Y Improvement: 43% 60%", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.097+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c94e50d7-b8f9-4203-84df-9226f908e3ce", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.849, "x": 0.045, "y": 0.101 }, "kind": "title", "text": "Reiterating fiscal year 2023 guidance", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:29.097+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "40e6e84c-5c19-414e-89f9-e48f35ed62be", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 12, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 9, "componentCount": 3, "textChars": 28, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:28.621+00", "seconds": 2.998, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/12", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-12", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.029, "w": 0.06, "x": 0.034, "y": 0.92 }, "kind": "image", "text": "Dave logo", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.621+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7b145f84-87f1-4da5-8d83-127b6060776b", "parentComponentId": null }, { "bbox": { "h": 0.029, "w": 0.018, "x": 0.95, "y": 0.92 }, "kind": "source-note", "text": "12", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.621+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9d6c7ad2-6d5c-4b87-a229-da90344e5ec5", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.46, "x": 0.088, "y": 0.446 }, "kind": "title", "text": "Business Strategy", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:28.621+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "780daf10-81b4-411d-a30a-99150b780301", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "6e693ced-e772-403a-b6be-21ac6a76b458", "evidence": "type: section_divider", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:44:21.732642+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 12, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 13, "type": "setup", "function": "propose_solution", "rawType": "propose_solution", "block": null, "metadata": { "slideType": "propose_solution", "slideTypeCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-1274-703c-81c6-5550f451697b", "version": 1, "description": null }, "function": "propose_solution", "functionCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-185b-74e9-bdfd-ea8cf318563f", "version": 1, "description": null }, "density": "dense", "densityScore": 60, "componentCount": 6, "textChars": 410, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:30.7+00", "seconds": 4.682, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/13", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-13", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.025, "w": 0.07, "x": 0.034, "y": 0.918 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.7+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "967e6589-f057-4d0e-91f2-4124e67a4e5b", "parentComponentId": null }, { "bbox": { "h": 0.32, "w": 0.288, "x": 0.725, "y": 0.446 }, "kind": "list", "text": "Deepen\n• Create a Dave Card payments relationship with instant spending and early direct deposit access\n• Build primary direct deposit relationships", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.7+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1fd98f54-b389-40d9-87a3-83156e740ebe", "parentComponentId": null }, { "bbox": { "h": 0.32, "w": 0.288, "x": 0.386, "y": 0.446 }, "kind": "list", "text": "Engage\n• Delight members with same-day cash advance access using Al underwriting\n• Profitably grow ExtraCash originations", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.7+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3152b552-d50b-4e63-ac76-cc31902a616c", "parentComponentId": null }, { "bbox": { "h": 0.32, "w": 0.288, "x": 0.047, "y": 0.446 }, "kind": "list", "text": "Acquire\n• Acquire efficiently by marketing top of mind liquidity pain points\n• Grow prudently to facilitate break-even", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.7+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bb9c0dd4-b9ec-4d88-be48-9949aea5bb20", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.019, "x": 0.913, "y": 0.918 }, "kind": "source-note", "text": "13", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.7+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f4a9ecaa-2925-445c-ad46-f04db39e0213", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.396, "x": 0.047, "y": 0.086 }, "kind": "title", "text": "Business strategy", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.7+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0481e06e-c587-4933-b44e-34eb52732955", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 14, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 70, "componentCount": 5, "textChars": 843, "nDataPoints": 11, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:30.998+00", "seconds": 4.396, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/14", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-14", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.75, "w": 0.54, "x": 0.419, "y": 0.12 }, "kind": "chart", "text": "CAC and New Member Acquisition (000s)\n1Q22: New Member Acquisition 463, CAC $26\n2Q22: New Member Acquisition 703, CAC $30\n3Q22: New Member Acquisition 998, CAC $24\n4Q22: New Member Acquisition 715, CAC $17\n1Q23: New Member Acquisition 587, CAC $16\n27% Year-Over-Year Growth in New Member Acquisition\n39% Y-o-Y Improvement in CAC", "attrs": { "series_names": [ "New Member Acquisition (000)", "CAC" ], "x_axis_label": "Quarter", "y_axis_label": "Customer Acquisition Cost / New Member Acquisition (000s)" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.998+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "96d1da4c-ec53-419a-b89e-fdb114b06eb4", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.34, "x": 0.046, "y": 0.243 }, "kind": "paragraph", "text": "Product enhancements, channel optimization and favorable market conditions supporting continued CAC efficiency vs. prior periods.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.998+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3c87cb53-24e9-40cb-8d93-e6008dec9ad2", "parentComponentId": null }, { "bbox": { "h": 0.126, "w": 0.34, "x": 0.046, "y": 0.579 }, "kind": "paragraph", "text": "We expect to accelerate marketing spend in the coming quarters to capitalize on demand for ExtraCash and the higher returns on investment we can achieve at greater scale in those periods.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.998+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5adebf6f-2015-4c05-9c5c-a563c458ab80", "parentComponentId": null }, { "bbox": { "h": 0.105, "w": 0.34, "x": 0.046, "y": 0.39 }, "kind": "paragraph", "text": "Year-over-year CAC improved substantially (39%) such that we were able to acquire 27% more new Members for 23% less marketing spend.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.998+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8955b002-6b43-403c-be74-74ea04209252", "parentComponentId": null }, { "bbox": { "h": 0.013, "w": 0.36, "x": 0.425, "y": 0.97 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Customer Acquisition Costs", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:30.998+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cba4e980-1a9e-47a1-ad86-8b8f27147296", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 15, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 82, "componentCount": 7, "textChars": 737, "nDataPoints": 8, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:32.243+00", "seconds": 5.118, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/15", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-15", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.702, "w": 0.501, "x": 0.43, "y": 0.149 }, "kind": "chart", "text": "Total Members (MMs) 36% Year-Over-Year Growth 6.4 6.9 7.8 8.3 8.7 1Q22 2Q22 3Q22 4Q22 1Q23", "attrs": { "title": "Total Members (MMs)", "series": [ { "data": [ 6.4, 6.9, 7.8, 8.3, 8.7 ], "name": "Total Members" } ], "x_axis_labels": [ "1Q22", "2Q22", "3Q22", "4Q22", "1Q23" ], "y_axis_labels": [] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.243+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "362d3ce8-be0d-4174-bbd7-e6fc8c2bf153", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.07, "x": 0.034, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.243+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1663388a-39c6-43ab-b2a8-feb5f8835c86", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.326, "x": 0.045, "y": 0.248 }, "kind": "paragraph", "text": "We differentiate by first addressing Members' most crucial need—liquidity—and then building long-term banking relationships.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.243+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "59c6191a-6461-4054-baaf-2109745915f1", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.326, "x": 0.045, "y": 0.396 }, "kind": "paragraph", "text": "Product market fit, strong brand, and low-cost acquisition have enabled Dave to achieve consistent member growth at scale.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.243+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f7f922ce-3099-40f9-a9fa-e965adac5ed9", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.326, "x": 0.045, "y": 0.544 }, "kind": "paragraph", "text": "Sizeable addressable market of 176 million (1) U.S. consumers, which grew 6% YoY in 2022, provides a secular tailwind.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.243+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fec35a01-2516-4cf3-b68d-c329c18be2a3", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.499, "x": 0.43, "y": 0.915 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Total Members\n(1) Source: Financial Health Network's \"Financial Health Pulse 2022 U.S. Trends Report\"; 176 million represents\nthe total number of financially vulnerable and financial coping consumers in that study.", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.243+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "333b97a0-a74c-4df2-a144-2132f010b3e7", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.326, "x": 0.045, "y": 0.09 }, "kind": "title", "text": "Significant member scale", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.243+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a9914a19-dc69-4c7c-bdfd-548a9e2a9ae1", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 16, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 65, "componentCount": 5, "textChars": 623, "nDataPoints": 6, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:32.297+00", "seconds": 4.403, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/16", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-16", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.73, "w": 0.49, "x": 0.43, "y": 0.14 }, "kind": "chart", "text": "Total Monthly Transacting Members (MMs) 34% Year-Over-Year Growth 1.4 1Q22 1.5 2Q22 1.8 3Q22 1.9 4Q22 2.0 1Q23", "attrs": { "title": "Total Monthly Transacting Members (MMs)", "series_names": [ "Monthly Transacting Members" ], "x_axis_labels": [ "1Q22", "2Q22", "3Q22", "4Q22", "1Q23" ], "y_axis_labels": [ "1.4", "1.5", "1.8", "1.9", "2.0" ], "trend_line_label": "34% Year-Over-Year Growth" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.297+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "46d7d5de-ffbd-4539-858e-76e01110d2d6", "parentComponentId": null }, { "bbox": { "h": 0.11, "w": 0.32, "x": 0.045, "y": 0.25 }, "kind": "paragraph", "text": "Growth driven by engagement-focused marketing, continued rollout and optimization of ExtraCash $500, and underwriting improvements which bolster retention.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.297+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3e6462f5-ccb0-4f86-b47b-f0116b7504b2", "parentComponentId": null }, { "bbox": { "h": 0.18, "w": 0.32, "x": 0.045, "y": 0.43 }, "kind": "paragraph", "text": "Continued growth expected as we accelerate marketing spend, drive further enhancements to the ExtraCash value proposition and underwriting engine, and deepen cross-attach on Dave Card, which has more favorable retention characteristics and higher transaction frequency.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.297+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3e89c16a-59f2-4940-aeb7-4f3c5cfdc89d", "parentComponentId": null }, { "bbox": { "h": 0.015, "w": 0.42, "x": 0.43, "y": 0.93 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Monthly Transacting Members", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.297+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b5c0fbfb-e1ca-488f-b835-8cb8dfdc7f82", "parentComponentId": null }, { "bbox": { "h": 0.105, "w": 0.32, "x": 0.045, "y": 0.09 }, "kind": "title", "text": "Increasing engagement", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.297+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "84468253-1194-4641-9bc3-45fa6ab2fe48", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 17, "type": "setup", "function": "propose_solution", "rawType": "propose_solution", "block": null, "metadata": { "slideType": "propose_solution", "slideTypeCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-1274-703c-81c6-5550f451697b", "version": 1, "description": null }, "function": "propose_solution", "functionCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-185b-74e9-bdfd-ea8cf318563f", "version": 1, "description": null }, "density": "dense", "densityScore": 50, "componentCount": 5, "textChars": 374, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:31.873+00", "seconds": 3.492, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/17", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-17", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.06, "x": 0.035, "y": 0.91 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:31.873+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b9373f83-4378-4f64-a27c-17b546937b3f", "parentComponentId": null }, { "bbox": { "h": 0.19, "w": 0.25, "x": 0.06, "y": 0.52 }, "kind": "list", "text": "Acquire efficiently by marketing top of mind liquidity pain points\nGrow prudently to facilitate break-even", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:31.873+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "196406ee-dac9-46fa-8750-09def4e9ef12", "parentComponentId": null }, { "bbox": { "h": 0.19, "w": 0.25, "x": 0.38, "y": 0.52 }, "kind": "list", "text": "Delight members with same-day cash advance access using Al underwriting\nProfitably grow ExtraCash originations", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:31.873+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5190de56-bab4-42e6-a926-e1e7eb8c70be", "parentComponentId": null }, { "bbox": { "h": 0.19, "w": 0.25, "x": 0.7, "y": 0.52 }, "kind": "list", "text": "Create a Dave Card payments relationship with instant spending and early direct deposit access\nBuild primary direct deposit relationships", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:31.873+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c2b555ab-2cb2-430a-83f5-64838b5c8a61", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.39, "x": 0.048, "y": 0.08 }, "kind": "title", "text": "Business strategy", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:31.873+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "efa68fd3-3bac-4e44-abaa-f76d9f5933d7", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 18, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 73, "componentCount": 6, "textChars": 574, "nDataPoints": 7, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:33.88+00", "seconds": 4.976, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/18", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-18", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.75, "w": 0.502, "x": 0.43, "y": 0.14 }, "kind": "chart", "text": "ExtraCash Origination Volume ($MM)\n46% Year-Over-Year Growth\n$545 1Q22\n$606 2Q22\n$757 3Q22\n$801 4Q22\n$798 1Q23", "attrs": { "series_names": [ "Origination Volume" ], "x_axis_label": "Quarter", "y_axis_label": "Volume ($MM)" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:33.88+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "df8a5055-6126-44b6-936b-35848d040b97", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.346, "x": 0.045, "y": 0.246 }, "kind": "paragraph", "text": "Originations grew 46% Y-o-Y, reflecting strong continued demand; magnified by macro tailwinds.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:33.88+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "632ec7e8-ec36-4d54-a6b4-33fea5280f5f", "parentComponentId": null }, { "bbox": { "h": 0.075, "w": 0.346, "x": 0.045, "y": 0.454 }, "kind": "paragraph", "text": "$798mm of originations translating into a $80mm net receivables balance as of 3/31/23 reflects capital efficient nature of the ExtraCash.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:33.88+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b463d0a9-1ae3-4d0e-afce-efa5b2e6b5e6", "parentComponentId": null }, { "bbox": { "h": 0.075, "w": 0.346, "x": 0.045, "y": 0.35 }, "kind": "paragraph", "text": "Originations were ~flat Q-o-Q due to seasonally lower demand for ExtraCash, as tax refunds help to support the liquidity needs of our Members.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:33.88+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fce72898-2472-422c-96cf-a0e08c46fcd2", "parentComponentId": null }, { "bbox": { "h": 0.013, "w": 0.249, "x": 0.43, "y": 0.936 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Origination Volume", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:33.88+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "592f4fc9-53ca-4fb1-86ab-b0fd2ce947ea", "parentComponentId": null }, { "bbox": { "h": 0.099, "w": 0.346, "x": 0.045, "y": 0.095 }, "kind": "title", "text": "Sustained growth in originations", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:33.88+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "58f892c0-2a93-401e-afc7-7b263abd7192", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 19, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 51, "componentCount": 4, "textChars": 461, "nDataPoints": 10, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:32.9+00", "seconds": 3.953, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/19", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-19", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.67, "w": 0.46, "x": 0.505, "y": 0.21 }, "kind": "chart", "text": "Average Revenue per ExtraCash Origination; 7% Year-Over-Year Growth; 1Q22: $8.43, 2Q22: $8.10, 3Q22: $8.21, 4Q22: $8.60, 1Q23: $9.01", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.9+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "72f3522d-44c3-4af9-8e8b-ff411096a4ce", "parentComponentId": null }, { "bbox": { "h": 0.67, "w": 0.46, "x": 0.04, "y": 0.21 }, "kind": "chart", "text": "Average ExtraCash Origination Size; 17% Year-Over-Year Growth; 1Q22: $132, 2Q22: $128, 3Q22: $131, 4Q22: $144, 1Q23: $154", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.9+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c2351b64-b114-4787-835c-bd1f8646a1c3", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.647, "x": 0.125, "y": 0.944 }, "kind": "source-note", "text": "(1) Average Revenue per ExtraCash Origination defined as sum of Tips (GAAP) + Fees (GAAP) generated divided by total advances disbursed over a given period.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.9+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d7d3679b-2fde-4a06-94c4-f6362b4ecb8b", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.889, "x": 0.047, "y": 0.06 }, "kind": "title", "text": "Growth in ExtraCash advance sizes has bolstered ARPU", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:32.9+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c8c80a3b-f420-4b12-a46e-ee72d526969f", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 20, "type": "analysis", "function": "diagnose_problem", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "diagnose_problem", "functionCanon": { "name": "Diagnose problem", "slug": "diagnose_problem", "status": "active", "canonId": "019de52d-176d-761f-b608-cf52262d2ab2", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 81, "componentCount": 6, "textChars": 1135, "nDataPoints": 19, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:34.522+00", "seconds": 5.228, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/20", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-20", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.79, "w": 0.54, "x": 0.42, "y": 0.11 }, "kind": "chart", "text": "28 Day Average Quarterly Delinquency Rate 3.21% 3.99% 4.32% 4.20% 3.06% 3.52% 4.87% 5.93% 3.56% 4.47% 4.20% 3.48% 3.27% 3.67% 4.07% 3.58% 2.60% 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.522+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "37854e88-9110-43cc-a28a-7beacb808611", "parentComponentId": null }, { "bbox": { "h": 0.166, "w": 0.36, "x": 0.038, "y": 0.203 }, "kind": "paragraph", "text": "Significant and continued improvements in DQ rates:\n• 98bps q-o-q driven by underwriting enhancements and seasonal strength from tax refunds\n• 67bps y-o-y while growing ExtraCash originations by 46%; due to underwriting optimizations", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.522+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4c25e4f7-384c-47d9-89fe-35afdf85b979", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.36, "x": 0.038, "y": 0.409 }, "kind": "paragraph", "text": "Credit performance should normalize modestly q-o-q due to planned growth in Member acquisition and as the favorable impact of tax refund season recedes.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.522+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4d689b2e-7b40-4581-8ca2-87306bdf6b21", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.36, "x": 0.038, "y": 0.53 }, "kind": "paragraph", "text": "Our underwriting is differentiated as our AI is primarily using bank account transaction data which allows us to detect, nearly in real-time, changes in income, spending, savings, and employment signals. FICO underwriting bases credit decisions on bureau data which are lagging indicators of risk.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.522+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "83b94e8f-4fe8-405d-82a8-c570474ea95e", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.36, "x": 0.038, "y": 0.72 }, "kind": "paragraph", "text": "DQ rates controllable with dynamic nature of underwriting/risk management strategies, combined with short-term nature of the ExtraCash product.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.522+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "89860a0a-11c4-41ca-9a19-fcf72d59d193", "parentComponentId": null }, { "bbox": { "h": 0.015, "w": 0.34, "x": 0.44, "y": 0.948 }, "kind": "source-note", "text": "Note: See Glossary for the definition of 28 Day Average Quarterly Delinquency Rate", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.522+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "17d23f45-a090-4409-bd1b-4d02d3937a95", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "6da1283e-ce11-4283-a5d2-146e5bd7d226", "evidence": "chart/bar-vertical: 28 Day Average Quarterly Delinquency Rate", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:44:25.428112+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 20, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 21, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 81, "componentCount": 7, "textChars": 706, "nDataPoints": 5, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:34.007+00", "seconds": 4.69, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/21", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-21", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.75, "w": 0.51, "x": 0.43, "y": 0.14 }, "kind": "chart", "text": "Annualized Revenue per Monthly Transacting Member\n$121\n$122\n$129\n$131\n$124\n1Q22\n2Q22\n3Q22\n4Q22\n1Q23", "attrs": { "title": "Annualized Revenue per Monthly Transacting Member", "x_axis_labels": [ "1Q22", "2Q22", "3Q22", "4Q22", "1Q23" ], "y_axis_labels": [ "$121", "$122", "$129", "$131", "$124" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2d2d8297-487e-4dc8-b014-3b14c319708e", "parentComponentId": null }, { "bbox": { "h": 0.1, "w": 0.31, "x": 0.04, "y": 0.62 }, "kind": "paragraph", "text": "Ability for users to seamlessly spend ExtraCash funds via Dave Card expected to continue to drive improved transaction revenue ARPU and will continue to be a primary strategic focus in 2023.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "02fa6222-a0a3-480c-9139-e0351c2de8fb", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.31, "x": 0.04, "y": 0.24 }, "kind": "paragraph", "text": "ARPU grew 3% y-o-y grew largely based on the increasing adoption of Dave Card as well as the increase in average revenue per ExtraCash origination.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "18658791-6af4-49e7-b9b0-0f9aaf99f17b", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.31, "x": 0.04, "y": 0.43 }, "kind": "paragraph", "text": "ARPU declined q-o-q as growth in Dave Card / transaction-based revenue was more than offset by seasonally lower demand for ExtraCash due to tax refunds.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7b2b436d-2f81-4253-bdd9-6f06e10e268f", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.33, "x": 0.54, "y": 0.29 }, "kind": "source-note", "text": "3% Year-Over-Year Growth", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2d5f2bec-464c-40ab-b37b-ffd524ae8e90", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.45, "x": 0.43, "y": 0.95 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Monthly Transacting Members", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7581d35a-250b-48c4-a428-9defc92ef44e", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.31, "x": 0.042, "y": 0.09 }, "kind": "title", "text": "ARPU / member monetization", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "68cd480c-3eec-46cc-9837-24e842563b02", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 21, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 10, "name": "Evidence", "beatId": "3fa562b6-3ff4-402b-9c4e-fdd58af00b07", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "evidence": "Presentation of key performance indicators (KPIs) and financial metrics", "position": 2, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 21, "from": 10, "loop": { "name": "50_pareto_focus", "slug": "50-pareto-focus", "status": "active", "bestFor": "Resource allocation, problem prioritization, efficiency improvements", "canonId": "019dd956-7a54-7637-bf68-bb63e3f018c7", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full Distribution -> The Vital Few (20%) -> The Trivial Many (80%) -> Focus Recommendation", "description": "Show that 80% of results come from 20% of causes to drive prioritization", "familyLabel": null }, "matchId": "efb29d73-2e3f-4918-a326-398f2a9f58ac", "evidence": "The presentation presents various KPIs and financial metrics to demonstrate growth and progress", "position": 1, "objective": "Showcase key performance indicators (KPIs) and financial metrics", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:07:46.165303+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 22, "type": "setup", "function": "propose_solution", "rawType": "propose_solution", "block": null, "metadata": { "slideType": "propose_solution", "slideTypeCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-1274-703c-81c6-5550f451697b", "version": 1, "description": null }, "function": "propose_solution", "functionCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-185b-74e9-bdfd-ea8cf318563f", "version": 1, "description": null }, "density": "dense", "densityScore": 61, "componentCount": 6, "textChars": 419, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:34.147+00", "seconds": 4.813, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/22", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-22", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.906, "x": 0.047, "y": 0.23 }, "kind": "diagram", "text": "Acquire, Engage, Deepen", "attrs": null, "canon": { "kind": { "name": "Diagram", "slug": "diagram", "status": "active", "canonId": "019de52c-f9f0-734a-81de-15382ff28c65", "version": 1, "description": "Schematic or relational diagram." }, "tool": null, "subkind": { "name": "Process flow", "slug": "process", "status": "active", "canonId": "019de52d-039c-718f-ad3a-efe9c4b3c838", "version": 1, "description": null }, "framework": null }, "subkind": "process", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.147+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f6ca4862-653a-4989-844f-22e9ad76b5ee", "parentComponentId": null }, { "bbox": { "h": 0.31, "w": 0.27, "x": 0.723, "y": 0.446 }, "kind": "list", "text": "Deepen\nCreate a Dave Card payments relationship with instant spending and early direct deposit access\nBuild primary direct deposit relationships", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.147+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "21871188-9387-4e00-badc-6ef27a11ff49", "parentComponentId": null }, { "bbox": { "h": 0.31, "w": 0.27, "x": 0.385, "y": 0.446 }, "kind": "list", "text": "Engage\nDelight members with same-day cash advance access using AI underwriting\nProfitably grow ExtraCash originations", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.147+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4b486f4d-7be8-4583-86a2-389971483451", "parentComponentId": null }, { "bbox": { "h": 0.31, "w": 0.27, "x": 0.047, "y": 0.446 }, "kind": "list", "text": "Acquire\nAcquire efficiently by marketing top of mind liquidity pain points\nGrow prudently to facilitate break-even", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.147+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9b63f4b4-941c-413d-82a0-fb5606b88f85", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.06, "x": 0.047, "y": 0.929 }, "kind": "source-note", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.147+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "44242bd7-ed05-4115-9615-b93005502880", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.409, "x": 0.047, "y": 0.09 }, "kind": "title", "text": "Business strategy", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:34.147+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "96d38f41-2d01-449e-9374-158b7d981e27", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Deploy / Reshape / Invent (BCG)", "slug": "bcg-deploy-reshape-invent", "status": "active", "bestFor": null, "canonId": "019de52d-2044-72cc-b402-2511b4663d84", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "6c11e23d-0b4e-4c48-9127-f9315dfa33d6", "evidence": "diagram/process: Acquire, Engage, Deepen", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 01:44:25.5572+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 22, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 30, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 22, "name": "Impact & Next Steps", "beatId": "618dfb2f-2c29-42fa-b32e-f62e4a60402f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Impact & Next Steps", "slug": "consultants-gambit-impact-next-steps", "status": "active", "canonId": "019dd9b8-0849-7728-9ee9-fd1609c4c655", "version": 1, "description": null }, "evidence": "Discussion of business strategy and path to profitability", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 23, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 63, "componentCount": 5, "textChars": 559, "nDataPoints": 5, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:35.552+00", "seconds": 5.847, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/23", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-23", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.74, "w": 0.509, "x": 0.439, "y": 0.13 }, "kind": "chart", "text": "Dave Card Spend Volumes ($MM) 62% Year-Over-Year Growth $182 1Q22 $171 2Q22 $197 3Q22 $263 4Q22 $295 1Q23", "attrs": { "title": "Dave Card Spend Volumes ($MM)", "series": [ { "data": [ 182, 171, 197, 263, 295 ], "name": "Spend Volumes" } ], "trend_line": { "label": "62% Year-Over-Year Growth" }, "x_axis_labels": [ "1Q22", "2Q22", "3Q22", "4Q22", "1Q23" ], "y_axis_labels": [ "$182", "$171", "$197", "$263", "$295" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.552+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "30719634-153e-4b79-912a-c01dc420e919", "parentComponentId": null }, { "bbox": { "h": 0.11, "w": 0.301, "x": 0.044, "y": 0.247 }, "kind": "paragraph", "text": "In 3Q22, every new Dave Member began receiving an ExtraCash account and a Dave Card, unlocking synergies between ExtraCash and Dave Card products.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.552+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "47666660-ca4a-46d3-8407-b797a78c1ced", "parentComponentId": null }, { "bbox": { "h": 0.199, "w": 0.301, "x": 0.044, "y": 0.43 }, "kind": "paragraph", "text": "1Q23 growth in Dave Card spend volumes was primarily driven by the growth in MTMs, the continued increases in ExtraCash Members spending their advances with the Dave Card, and the seasonal support provided by tax refunds.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.552+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fea573a5-fb0a-4436-87a1-794da10e083a", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.27, "x": 0.43, "y": 0.96 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Dave Card Spend Volumes", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.552+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5c61e2fb-9da3-4999-98f5-18ba655341f7", "parentComponentId": null }, { "bbox": { "h": 0.098, "w": 0.301, "x": 0.044, "y": 0.09 }, "kind": "title", "text": "Dave Card spend volumes", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.552+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "94ecc1b3-a707-4eb6-ab63-698c800c3fc1", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 30, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 22, "name": "Impact & Next Steps", "beatId": "618dfb2f-2c29-42fa-b32e-f62e4a60402f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Impact & Next Steps", "slug": "consultants-gambit-impact-next-steps", "status": "active", "canonId": "019dd9b8-0849-7728-9ee9-fd1609c4c655", "version": 1, "description": null }, "evidence": "Discussion of business strategy and path to profitability", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 24, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 76, "componentCount": 6, "textChars": 771, "nDataPoints": 6, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:35.487+00", "seconds": 5.446, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/24", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-24", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.7, "w": 0.5, "x": 0.43, "y": 0.15 }, "kind": "chart", "text": "Average Monthly Transactions per Monthly Transacting Member 19% Year-Over-Year Growth 4.6 4.5 4.6 5.2 5.4 1Q22 2Q22 3Q22 4Q22 1Q23", "attrs": { "title": "Average Monthly Transactions per Monthly Transacting Member", "x_axis_labels": [ "1Q22", "2Q22", "3Q22", "4Q22", "1Q23" ], "y_axis_labels": [ "4.6", "4.5", "4.6", "5.2", "5.4" ], "trend_line_label": "19% Year-Over-Year Growth" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.487+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "946eec3a-d8fe-41d2-8128-d266cc7518ad", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.32, "x": 0.04, "y": 0.46 }, "kind": "paragraph", "text": "Additional transactions per MTM also allows us to gain greater share of wallet to unlock the additional ARPU of our banking product.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.487+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "32d6d3d4-9b15-4466-a3aa-cf00423aefc9", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.32, "x": 0.04, "y": 0.3 }, "kind": "paragraph", "text": "Growing Dave Card adoption amongst Members is driving more transactions per active, deeping the daily use case we have with our Members.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.487+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c44538a0-4edc-4214-b44c-730cc54aa75c", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.32, "x": 0.04, "y": 0.61 }, "kind": "paragraph", "text": "5% q-o-q increase primarily driven by continued strategic priority of members spending ExtraCash on their Dave Cards and positive seasonality as a result of tax refunds; partially offset by negative tax season effects on ExtraCash engagement.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.487+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ee62ef49-bc7e-4964-8a2a-e32b107c6463", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.49, "x": 0.42, "y": 0.95 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Transactions Per Monthly Transacting Member", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.487+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2c1626b6-7509-4f15-97a4-6e16cca53c93", "parentComponentId": null }, { "bbox": { "h": 0.16, "w": 0.32, "x": 0.04, "y": 0.09 }, "kind": "title", "text": "Flywheel effect between ExtraCash and Dave Card", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.487+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "56a17ada-29a0-4d23-86ad-0626d5dd001c", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Flywheel", "slug": "flywheel", "status": "active", "bestFor": null, "canonId": "019de52d-1ad8-75ab-9027-a40365590152", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "10f3c8a9-119c-4be9-997a-39dd5077fe7f", "evidence": "paragraph/paragraph: Growing Dave Card adoption amongst Members is driving more transactions per active, deeping the daily use case we have with our Members.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 01:44:25.687079+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 24, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 30, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 22, "name": "Impact & Next Steps", "beatId": "618dfb2f-2c29-42fa-b32e-f62e4a60402f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Impact & Next Steps", "slug": "consultants-gambit-impact-next-steps", "status": "active", "canonId": "019dd9b8-0849-7728-9ee9-fd1609c4c655", "version": 1, "description": null }, "evidence": "Discussion of business strategy and path to profitability", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 25, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 9, "componentCount": 3, "textChars": 29, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:33.198+00", "seconds": 2.887, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/25", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-25", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.029, "w": 0.06, "x": 0.034, "y": 0.91 }, "kind": "image", "text": "Dave logo", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:33.198+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d4ee8ea9-26fd-438d-bf36-49a9573121d0", "parentComponentId": null }, { "bbox": { "h": 0.029, "w": 0.027, "x": 0.909, "y": 0.91 }, "kind": "source-note", "text": "25", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:33.198+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "33120720-de7c-4852-baa1-e4e71fd48356", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.499, "x": 0.084, "y": 0.44 }, "kind": "title", "text": "Financial Overview", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:33.198+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5b1c3183-34b1-46a1-86ca-85e35b331b8c", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 30, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 22, "name": "Impact & Next Steps", "beatId": "618dfb2f-2c29-42fa-b32e-f62e4a60402f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Impact & Next Steps", "slug": "consultants-gambit-impact-next-steps", "status": "active", "canonId": "019dd9b8-0849-7728-9ee9-fd1609c4c655", "version": 1, "description": null }, "evidence": "Discussion of business strategy and path to profitability", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 26, "type": "setup", "function": "quantify_opportunity", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 66, "componentCount": 5, "textChars": 638, "nDataPoints": 8, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:35.913+00", "seconds": 5.438, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/26", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-26", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.72, "w": 0.49, "x": 0.44, "y": 0.14 }, "kind": "chart", "text": "Total Non-GAAP Revenue ($MM)\n$43.7\n$47.0\n$58.6\n$61.8\n$60.6\n1Q22\n2Q22\n3Q22\n4Q22\n1Q23", "attrs": { "x_axis_labels": [ "1Q22", "2Q22", "3Q22", "4Q22", "1Q23" ], "y_axis_labels": [ "$43.7", "$47.0", "$58.6", "$61.8", "$60.6" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.913+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "537e4661-bcc3-4618-8244-f33f12ed9ff2", "parentComponentId": null }, { "bbox": { "h": 0.33, "w": 0.348, "x": 0.047, "y": 0.244 }, "kind": "list", "text": "39% y-o-y non-GAAP revenue growth driven by:\nIncrease in transacting member base\nImproved ExtraCash engagement/monetization given material underwriting optimizations\nAccelerating growth in Transaction Revenue driven by ExtraCash to Dave Card cross-attach and growth in external funding", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.913+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "540920a7-6db9-4686-8aad-d81f53f406b2", "parentComponentId": null }, { "bbox": { "h": 0.17, "w": 0.348, "x": 0.047, "y": 0.612 }, "kind": "paragraph", "text": "2% q-o-q decline in non-GAAP revenue driven by 4% decrease in non-GAAP services revenue due to seasonal patterns, offset partially by 17% sequential growth in non-GAAP transaction revenue.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.913+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d75620b5-2707-4b18-9eb1-8cd6b1f439a1", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.39, "x": 0.43, "y": 0.937 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Non-GAAP Revenue", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.913+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2bea8cd5-5a8d-4239-bf52-c1898b3742e6", "parentComponentId": null }, { "bbox": { "h": 0.106, "w": 0.326, "x": 0.047, "y": 0.093 }, "kind": "title", "text": "Consistent revenue growth", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.913+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b1b9f31b-0f43-431b-afce-781e8ec5d295", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 30, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 22, "name": "Impact & Next Steps", "beatId": "618dfb2f-2c29-42fa-b32e-f62e4a60402f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Impact & Next Steps", "slug": "consultants-gambit-impact-next-steps", "status": "active", "canonId": "019dd9b8-0849-7728-9ee9-fd1609c4c655", "version": 1, "description": null }, "evidence": "Discussion of business strategy and path to profitability", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 27, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 91, "componentCount": 8, "textChars": 1288, "nDataPoints": 18, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:37.691+00", "seconds": 6.588, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/27", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-27", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.61, "w": 0.506, "x": 0.439, "y": 0.11 }, "kind": "chart", "text": "Variable Profit Margin (Non-GAAP)\n41% 39% 42% 41% 56%\n1Q22 2Q22 3Q22 4Q22 1Q23", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.691+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7c9d9f84-6b14-4f8b-9d27-54249aa0e75d", "parentComponentId": null }, { "bbox": { "h": 0.029, "w": 0.07, "x": 0.03, "y": 0.91 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.691+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4b862926-bf55-4c1e-a6f0-3a7d612223ea", "parentComponentId": null }, { "bbox": { "h": 0.299, "w": 0.36, "x": 0.029, "y": 0.22 }, "kind": "paragraph", "text": "Variable margin expanded in 1Q23 primarily due to:\n• Markedly lower provision expense given significant\nimprovements in credit performance and stronger\nsettlements resulting from favorable seasonal\nimpacts of tax refunds which reduced the\nreceivables balance, loss allowance and provision\n• Renegotiated key vendor contract, effective Jan. 1\n• Ongoing processing cost enhancements related to\nhow we utilize payment networks to move money", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.691+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3fd3817b-4376-4db4-8818-63e2fc03f286", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.36, "x": 0.029, "y": 0.789 }, "kind": "paragraph", "text": "Variable margin for the balance of the year should\nremain notably above 2022 levels and, for the full year,\nfall comfortably within our annual guidance.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.691+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "526caf0d-c7d8-4d6d-95e4-e8d5a8e4b656", "parentComponentId": null }, { "bbox": { "h": 0.141, "w": 0.36, "x": 0.029, "y": 0.576 }, "kind": "paragraph", "text": "We do not expect variable margin to remain as elevated\nin the quarters ahead; we anticipate provision expense\nas a % of revenue to normalize alongside seasonal\npatterns though remain lower than 2022 levels due to\nsustained improvements in underwriting performance.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.691+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "650979a3-1770-43b1-9718-0b722082353d", "parentComponentId": null }, { "bbox": { "h": 0.038, "w": 0.53, "x": 0.416, "y": 0.91 }, "kind": "source-note", "text": "Note: Variable Profit Margin (Non-GAAP) is defined as Non-GAAP Variable Profit divided by Non-GAAP Revenue. See Glossary for the\ndefinition of Non-GAAP Variable Profit and Non-GAAP Revenue.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.691+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "89dc7d8d-aafe-4954-899f-3d155c85da51", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.488, "x": 0.457, "y": 0.739 }, "kind": "table", "text": "Provision for Credit Losses - % of Non-GAAP Revenue\n32% 29% 31% 33% 20%\nOther Variable Expenses - % of Non-GAAP Revenue\n28% 31% 27% 26% 24%", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.691+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "689e471d-30fe-4ff8-ba58-244965398b4a", "parentComponentId": null }, { "bbox": { "h": 0.089, "w": 0.329, "x": 0.045, "y": 0.046 }, "kind": "title", "text": "Expanding variable margin", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.691+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5145014d-279d-4a4d-b508-7f4d58bcbd7a", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 30, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 22, "name": "Impact & Next Steps", "beatId": "618dfb2f-2c29-42fa-b32e-f62e4a60402f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Impact & Next Steps", "slug": "consultants-gambit-impact-next-steps", "status": "active", "canonId": "019dd9b8-0849-7728-9ee9-fd1609c4c655", "version": 1, "description": null }, "evidence": "Discussion of business strategy and path to profitability", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 28, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 70, "componentCount": 5, "textChars": 905, "nDataPoints": 7, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:36.769+00", "seconds": 5.35, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/28", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-28", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.71, "w": 0.515, "x": 0.44, "y": 0.149 }, "kind": "chart", "text": "Adjusted EBITDA (Non-GAAP) ($MM)\n1Q22 ($18.3)\n2Q22 ($28.5)\n3Q22 ($28.5)\n4Q22 ($11.8)\n1Q23 ($4.5)\n(59%) QoQ reduction in EBITDA loss\n(62%) QoQ reduction in EBITDA loss", "attrs": { "chart_type": "bar" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.769+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4c9e91c3-b02c-4f16-acfe-5af891386961", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.36, "x": 0.042, "y": 0.239 }, "kind": "paragraph", "text": "1Q23 Adj. EBITDA loss improved 62% Q-o-Q driven by:\n• Variable margin improvements (see slide 29)\n• Moderated marketing investment supported by continued CAC efficiencies", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.769+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "acd0e00e-eb08-4c20-a3e5-afe3fc219f78", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.36, "x": 0.042, "y": 0.603 }, "kind": "paragraph", "text": "$196mm of cash and securities as of Mar. 31, 2023 vs. $193mm as of Dec. 31, 2022:\n• Increase in cash largely due to strong ExtraCash settlements and moderated originations\n• Nearly 2yrs. of remaining term on credit facility\n• Facility advance rate increases (and cost of funds decreases) as facility utilization increases", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.769+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b96865cc-af01-43c4-8e16-b64c4bbdbf8d", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.36, "x": 0.042, "y": 0.419 }, "kind": "paragraph", "text": "We continue to believe that our existing team is sufficient for us to execute on our growth plan and will deliver operating leverage as we scale, further solidifying our path to profitability.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.769+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d6665d9d-6460-42ce-b268-e0e027b9e5db", "parentComponentId": null }, { "bbox": { "h": 0.015, "w": 0.24, "x": 0.439, "y": 0.936 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Adjusted EBITDA", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.769+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "73ec7eec-83ff-4929-8c58-c2e238275008", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 30, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 22, "name": "Impact & Next Steps", "beatId": "618dfb2f-2c29-42fa-b32e-f62e4a60402f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Impact & Next Steps", "slug": "consultants-gambit-impact-next-steps", "status": "active", "canonId": "019dd9b8-0849-7728-9ee9-fd1609c4c655", "version": 1, "description": null }, "evidence": "Discussion of business strategy and path to profitability", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 29, "type": "resolution", "function": "plan_implementation", "rawType": "roadmap", "block": null, "metadata": { "slideType": "roadmap", "slideTypeCanon": { "name": "Roadmap", "slug": "roadmap", "status": "active", "canonId": "019de52d-0a55-72bc-9b7b-a47ef109839c", "version": 1, "description": null }, "function": "plan_implementation", "functionCanon": { "name": "Plan implementation", "slug": "plan_implementation", "status": "active", "canonId": "019de52d-14a2-77ea-b210-d6a95eed4823", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 77, "componentCount": 6, "textChars": 1069, "nDataPoints": 2, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:37.568+00", "seconds": 5.195, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/29", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-29", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.06, "x": 0.038, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.568+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cadaaa16-65d4-492a-bdc8-0c310c992153", "parentComponentId": null }, { "bbox": { "h": 0.66, "w": 0.48, "x": 0.47, "y": 0.22 }, "kind": "list", "text": "2024\nAdjusted EBITDA Positive\nGrowth in MTMs: projected to turn break-even @ 2.2 - 2.4mm MTMs\nConservative assumptions on continued ARPU improvement\nFurther optimizing ExtraCash e.g. funnel, monetization\nGrowing cross-attach to Dave Card\nDeeper focus on incentivizing direct deposit relationships\nMargin expansion based largely on identified, quantifiable initiatives\nUnderwriting + settlement optimization; renegotiating contracts\nDriving direct deposit relationships as Dave Card matures\nIntensified focus on fraud controls and risk management\nOperating leverage of fixed cost base as variable profit scales", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.568+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "95187347-29ec-478a-9a21-08749e639e78", "parentComponentId": null }, { "bbox": { "h": 0.43, "w": 0.208, "x": 0.08, "y": 0.22 }, "kind": "list", "text": "Pre-4Q22\nContribution Profit Positive\nContribution margin profitable since pre-2020\nPositions Dave for profitability as it scales", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.568+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bde38d65-9d2d-4619-9b9d-8e066a9f6f2a", "parentComponentId": null }, { "bbox": { "h": 0.6, "w": 0.208, "x": 0.26, "y": 0.22 }, "kind": "list", "text": "4Q22\nAdj. EBITDA Positive (Pre-Marketing)\nAchieved in 4Q22 i.e. earlier than prior guidance of 2023\nDigital marketing spend can be flexed to optimize ROIs and preserve liquidity as needed\nImplies level of self-sustainability of business model given our solid levels of organic acquisition", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.568+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "df3789e0-3f78-4954-8a6b-e6f8470d16fd", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.02, "x": 0.91, "y": 0.92 }, "kind": "source-note", "text": "29", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.568+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e303f12c-0041-459b-a64a-1ca4df966372", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.79, "x": 0.048, "y": 0.08 }, "kind": "title", "text": "Path to profitability: key milestones", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.568+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0b36d9b0-4ce1-4b12-9b7b-0c27f27e51e5", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 30, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 22, "name": "Impact & Next Steps", "beatId": "618dfb2f-2c29-42fa-b32e-f62e4a60402f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Impact & Next Steps", "slug": "consultants-gambit-impact-next-steps", "status": "active", "canonId": "019dd9b8-0849-7728-9ee9-fd1609c4c655", "version": 1, "description": null }, "evidence": "Discussion of business strategy and path to profitability", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 30, "type": "setup", "function": "summarize", "rawType": "executive_summary", "block": null, "metadata": { "slideType": "executive_summary", "slideTypeCanon": { "name": "Executive summary", "slug": "executive_summary", "status": "active", "canonId": "019de52d-06be-73ff-81b3-f99fe7f0025e", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 60, "componentCount": 6, "textChars": 398, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:37.29+00", "seconds": 4.613, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/30", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-30", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.16, "w": 0.18, "x": 0.658, "y": 0.359 }, "kind": "list", "text": "Deepen\nExtraCash to Dave Card flywheel effect unlocks additional revenue potential within massive, growing TAM.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.29+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "05c992fd-ff65-404d-89b6-a035c85b66b2", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.18, "x": 0.409, "y": 0.359 }, "kind": "list", "text": "Engage\nDifferentiated AI driven underwriting with capital efficient business model.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.29+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1a293e2f-a6d2-46fa-921f-180061ddccb7", "parentComponentId": null }, { "bbox": { "h": 0.16, "w": 0.18, "x": 0.16, "y": 0.359 }, "kind": "list", "text": "Acquire\nMarket-leading CAC bolstered by profitable unit economics with credible growth prospects.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.29+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c9256af8-7640-4519-a1dc-0f847f34cb8c", "parentComponentId": null }, { "bbox": { "h": 0.047, "w": 0.43, "x": 0.286, "y": 0.747 }, "kind": "paragraph", "text": "Strong liquidity position sufficient to amply support company through to profitability.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.29+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "10e2bc0a-8199-485e-9e38-8cec6ef57798", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.022, "x": 0.936, "y": 0.936 }, "kind": "source-note", "text": "30", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.29+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7bf13f3d-a983-469f-ab1a-38cfc4b05b39", "parentComponentId": null }, { "bbox": { "h": 0.067, "w": 0.467, "x": 0.047, "y": 0.09 }, "kind": "title", "text": "Investment summary", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.29+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8b0dbeee-b87b-4bf7-8ab0-2a2468962be9", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 30, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 22, "name": "Impact & Next Steps", "beatId": "618dfb2f-2c29-42fa-b32e-f62e4a60402f", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": { "name": "Impact & Next Steps", "slug": "consultants-gambit-impact-next-steps", "status": "active", "canonId": "019dd9b8-0849-7728-9ee9-fd1609c4c655", "version": 1, "description": null }, "evidence": "Discussion of business strategy and path to profitability", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 31, "type": "setup", "function": "appendix", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "sparse", "densityScore": 8, "componentCount": 3, "textChars": 14, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:35.806+00", "seconds": 2.993, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/31", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-31", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.041666666666666664, "w": 0.06666666666666667, "x": 0.03333333333333333, "y": 0.90625 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.806+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "00951846-9188-421f-b0a0-cf7d4fab8682", "parentComponentId": null }, { "bbox": { "h": 0.03333333333333333, "w": 0.025, "x": 0.9166666666666666, "y": 0.9166666666666666 }, "kind": "source-note", "text": "31", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.806+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "90eaae0c-a942-4468-8eee-769db3c23e07", "parentComponentId": null }, { "bbox": { "h": 0.08333333333333333, "w": 0.2833333333333333, "x": 0.08333333333333333, "y": 0.4375 }, "kind": "title", "text": "Appendix", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:35.806+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5cf09db3-53d7-4b10-8472-b8a5897ac656", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 37, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 31, "name": "Appendix", "beatId": "b1c7031a-197b-4429-9f35-74aeb400a94d", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": null, "evidence": "Additional information and supporting data", "position": 4, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 32, "type": "appendix", "function": "appendix", "rawType": "appendix", "block": null, "metadata": { "slideType": "appendix", "slideTypeCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-0762-71f8-b564-89ab863301cc", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "dense", "densityScore": 55, "componentCount": 4, "textChars": 1605, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:37.486+00", "seconds": 4.105, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/32", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-32", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.025, "w": 0.06, "x": 0.047, "y": 0.926 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.486+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1da54943-2665-4053-acbd-d27471906b82", "parentComponentId": null }, { "bbox": { "h": 0.707, "w": 0.91, "x": 0.047, "y": 0.173 }, "kind": "list", "text": "28 Day Average Quarterly Delinquency Rate defined as the amount of Origination Volume which is past due 28 days after the end of the month in which the ExtraCash advance was disbursed divided by the Origination Volume in that disbursement month\nAdjusted EBITDA defined as net loss attributable to Dave before the impact of interest income or expense, provision for income taxes, depreciation and amortization, and adjusted to exclude legal settlement and litigation expenses, other strategic financing and transaction expenses, stock-based compensation expense, and certain other non-core items\nAverage Revenue per ExtraCash Advance defined as sum of Tips (GAAP) + Fees (GAAP) generated divided by total advances disbursed over a given period\nCustomer Acquisition Costs (\"CAC\") defined as all advertising and marketing operating expenses in a given period divided by the number of new members who join the Dave platform in a given period by connecting an existing bank account to the Dave service or by opening a new Dave Banking account\nDave Card Spend Volumes defined as the total dollar amount of Dave Card debit spending transactions over a given period\nMonthly Transacting Members (\"MTMs\") defined as the unique number of Members who have made a funding, spending, ExtraCash or subscription transaction within a particular month, measured as the average over a given period\nNon-GAAP Revenue defined as Revenue, net excluding direct loan origination costs, interchange fees and ATM fees\nNon-GAAP Variable Profit defined as Non-GAAP Revenues excluding Non-GAAP Variable Operating Expenses", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.486+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ba4b216e-02cc-4e67-a26f-88500fcddbd7", "parentComponentId": null }, { "bbox": { "h": 0.017, "w": 0.02, "x": 0.94, "y": 0.93 }, "kind": "source-note", "text": "32", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.486+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a522278f-b08c-404d-8b88-b336c01931ba", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.19, "x": 0.047, "y": 0.07 }, "kind": "title", "text": "Glossary", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:37.486+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c71fccbc-f567-4a1c-8383-d9cb769da582", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 37, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 31, "name": "Appendix", "beatId": "b1c7031a-197b-4429-9f35-74aeb400a94d", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": null, "evidence": "Additional information and supporting data", "position": 4, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 33, "type": "appendix", "function": "appendix", "rawType": "appendix", "block": null, "metadata": { "slideType": "appendix", "slideTypeCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-0762-71f8-b564-89ab863301cc", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "balanced", "densityScore": 39, "componentCount": 2, "textChars": 1059, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:36.767+00", "seconds": 3.29, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/33", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-33", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.419, "w": 0.88, "x": 0.045, "y": 0.173 }, "kind": "list", "text": "Non-GAAP Variable Operating Expenses defined as Operating Expenses excluding Non-Variable Operating Expenses\nNon-Variable Operating Expenses defined as all advertising and marketing operating expenses, compensation and benefits operating expenses, and certain operating expenses (legal, rent, technology/infrastructure, depreciation, amortization, charitable contributions, other operating expenses, upfront Member account activation costs and upfront Dave Card expenses)\nOrigination Volume defined as the total dollar amount of ExtraCash advances disbursed to Members in a given period\nTotal Members defined as the number of unique Members that have either connected an existing bank account to the Dave service or have opened a Dave Banking account, less the number of accounts deleted by Members or closed by Dave, as measured at the end of a period\nTransactions Per Monthly Transacting Member defined as the average number of transactions initiated per Monthly Transacting Member in each month, measured as the average over a given period", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.767+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "36145dd9-04c1-4adc-b47b-340a096ea2c2", "parentComponentId": null }, { "bbox": { "h": 0.036, "w": 0.33, "x": 0.045, "y": 0.07 }, "kind": "title", "text": "Glossary (Cont'd)", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:36.767+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7790e220-07b9-4671-9a16-1cf5e8d650a2", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 37, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 31, "name": "Appendix", "beatId": "b1c7031a-197b-4429-9f35-74aeb400a94d", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": null, "evidence": "Additional information and supporting data", "position": 4, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 34, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 53, "componentCount": 3, "textChars": 1017, "nDataPoints": 36, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:38.544+00", "seconds": 4.168, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/34", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-34", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.025, "w": 0.05, "x": 0.034, "y": 0.93 }, "kind": "source-note", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:38.544+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0752b821-1e33-4fa3-b4c8-5dbbc1b24c96", "parentComponentId": null }, { "bbox": { "h": 0.701, "w": 0.52, "x": 0.24, "y": 0.173 }, "kind": "table", "text": "DAVE INC.\nCONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS\n(in millions)\n(unaudited)\nFor the Three Months Ended March 31,\n2023\n2022\nOperating revenues:\nService based revenue, net\n$ 52.6 $ 39.3\nTransaction based revenue, net\n6.3\n3.3\nTotal operating revenues, net\n58.9\n42.6\nOperating expenses:\nProvision for credit losses\n12.0\n13.8\nProcessing and servicing costs\n7.1\n6.5\nAdvertising and marketing\n9.4\n12.2\nCompensation and benefits\n24.4\n17.9\nOther operating expenses\n18.5\n14.8\nTotal operating expenses\n71.4\n65.2\nOther expenses (income):\nInterest expense, net\n1.6\n1.5\nOther strategic financing and transactional expenses\n—\n1.0\nChanges in fair value of earnout liabilities\n—\n(2.0)\nChanges in fair value of derivative asset on loans to stockholders\n—\n5.6\nChanges in fair value of public and private warrant liabilities\n(0.1)\n4.1\nTotal other expenses\n1.5\n10.2\nNet loss before provision for income taxes\n(14.0)\n(32.8)\nProvision for income taxes\n—\n—\nNet loss\n$ (14.0) $ (32.8)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:38.544+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a8dc8f7d-cc75-4e7a-ab60-a67e7dc46f55", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.726, "x": 0.047, "y": 0.09 }, "kind": "title", "text": "Condensed consolidated statement of operations", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:38.544+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e7374a1a-85bd-426c-8372-d9162ba2663d", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "cfb1c2e0-b2f5-4911-a3ec-193eefd856c9", "evidence": "CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:44:21.862893+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 34, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 37, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 31, "name": "Appendix", "beatId": "b1c7031a-197b-4429-9f35-74aeb400a94d", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": null, "evidence": "Additional information and supporting data", "position": 4, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 35, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 57, "componentCount": 4, "textChars": 622, "nDataPoints": 20, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:38.592+00", "seconds": 3.92, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/35", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-35", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.05, "x": 0.036, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:38.592+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1b89ebbf-ed39-4582-b0c6-b9bf09d65085", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.02, "x": 0.94, "y": 0.92 }, "kind": "source-note", "text": "35", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:38.592+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f1563270-79d9-42d8-877a-93d78bb624bc", "parentComponentId": null }, { "bbox": { "h": 0.53, "w": 0.59, "x": 0.209, "y": 0.26 }, "kind": "table", "text": "DAVE INC.\nRECONCILIATION OF NET LOSS TO ADJUSTED EBITDA\n(in millions)\n(unaudited)\nFor the Three Months Ended March 31,\n2023\n2022\nNet loss\n(14.0)\n(32.8)\nInterest expense, net\n1.6\n1.5\nProvision for income taxes\n—\n—\nDepreciation and amortization\n1.2\n1.1\nStock-based compensation\n6.8\n3.2\nOther strategic financing and transactional expenses\n—\n1.0\nChanges in fair value of earnout liabilities\n—\n(2.0)\nChanges in fair value of derivative asset on loans to stockholders\n—\n5.6\nChanges in fair value of public and private warrant liabilities\n(0.1)\n4.1\nAdjusted EBITDA\n(4.5)\n(18.3)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:38.592+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f5165903-258b-4942-b59f-48b05d1f7f41", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.69, "x": 0.044, "y": 0.08 }, "kind": "title", "text": "Reconciliation of net loss to adjusted EBITDA", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:38.592+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6a648dc3-ccc2-4e67-9cdc-fe308e5d7204", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 37, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 31, "name": "Appendix", "beatId": "b1c7031a-197b-4429-9f35-74aeb400a94d", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": null, "evidence": "Additional information and supporting data", "position": 4, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 36, "type": "appendix", "function": "appendix", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "dense", "densityScore": 71, "componentCount": 5, "textChars": 858, "nDataPoints": 24, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:39.058+00", "seconds": 4.386, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/36", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-36", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.02, "x": 0.95, "y": 0.93 }, "kind": "source-note", "text": "36", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:39.058+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8a5cd3a7-c282-4065-ab2a-9a0c1c347837", "parentComponentId": null }, { "bbox": { "h": 0.24, "w": 0.41, "x": 0.29, "y": 0.7 }, "kind": "table", "text": "CALCULATION OF NON-GAAP VARIABLE PROFIT\n(in millions)\n(unaudited)\nFor the Three Months Ended March 31,\n2023\n2022\nNon-GAAP operating revenues\n$ 60.6 $ 43.7\nNon-GAAP variable operating expenses\n(26.6)\n(25.9)\nNon-GAAP variable profit\n$ 34.0 $ 17.8\nNon-GAAP variable profit margin\n56%\n41%", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:39.058+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8c39da7e-8375-4224-9862-0d68b67c6f16", "parentComponentId": null }, { "bbox": { "h": 0.24, "w": 0.41, "x": 0.29, "y": 0.43 }, "kind": "table", "text": "RECONCILIATION OF OPERATING EXPENSES TO NON-GAAP OPERATING EXPENSES\n(in millions)\n(unaudited)\nFor the Three Months Ended March 31,\n2023\n2022\nOperating expenses\n$ 71.4 $ 65.2\nNon-variable operating expenses\n(44.8)\n(39.3)\nNon-GAAP variable operating expenses\n$ 26.6 $ 25.9", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:39.058+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d2bbfab9-fc46-4150-991f-0d06bb2258a4", "parentComponentId": null }, { "bbox": { "h": 0.24, "w": 0.41, "x": 0.29, "y": 0.16 }, "kind": "table", "text": "DAVE INC.\nRECONCILIATION OF OPERATING REVENUES, NET TO NON-GAAP OPERATING REVENUES\n(in millions)\n(unaudited)\nFor the Three Months Ended March 31,\n2023\n2022\nOperating revenues, net\n$ 58.9 $ 42.6\nExtraCash origination and ATM-related costs\n1.7\n1.1\nNon-GAAP operating revenues\n$ 60.6 $ 43.7", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:39.058+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d2f32c4a-ac16-42b8-977a-2c469547c3bc", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.23, "x": 0.04, "y": 0.08 }, "kind": "title", "text": "Reconciliations", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:39.058+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5d79f916-d7c7-44d3-844d-ea2f77133ff9", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "0eaf91b5-1d35-4209-9a76-c79b84843aa2", "evidence": "RECONCILIATION OF OPERATING REVENUES, NET TO NON-GAAP OPERATING REVENUES", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:44:21.983507+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 36, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 37, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 31, "name": "Appendix", "beatId": "b1c7031a-197b-4429-9f35-74aeb400a94d", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": null, "evidence": "Additional information and supporting data", "position": 4, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 37, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "balanced", "densityScore": 30, "componentCount": 2, "textChars": 337, "nDataPoints": 10, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 08:44:38.381+00", "seconds": 3.38, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de515-a005-739c-8f15-475fbf377e83/37", "deck": "/decks/019de515-a005-739c-8f15-475fbf377e83", "deckAnchor": "/decks/019de515-a005-739c-8f15-475fbf377e83#slide-37", "deckJson": "/decks/019de515-a005-739c-8f15-475fbf377e83.json" }, "components": [ { "bbox": { "h": 0.384, "w": 0.701, "x": 0.157, "y": 0.282 }, "kind": "table", "text": "DAVE INC.\nLIQUIDITY AND CAPITAL RESOURCES\n(in millions)\n(unaudited)\nMarch 31, 2023\nDecember 31, 2022\nCash, cash equivalents and restricted cash: $52.5, $23.7\nMarketable securities: $34.4, $0.3\nShort-term investments: $108.8, $168.8\nWorking capital: $265.3, $272.2\nTotal stockholders' equity: $100.1, $106.6", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:38.381+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "edbcbaee-2416-4133-a30c-0b9736c75754", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.449, "x": 0.045, "y": 0.079 }, "kind": "title", "text": "Liquidity and capital resources", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:44:38.381+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7dc61520-96e3-41d8-b494-7dc8bd2ff0d8", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 37, "arc": { "name": "The Sparkline", "slug": "sparkline", "status": "active", "bestFor": "Keynotes, TED-style talks", "canonId": "019dd956-606e-720c-905a-42607ac0bf50", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "What Is -> What Could Be -> What Is -> What Could Be -> New Bliss", "description": null, "familyLabel": null }, "from": 31, "name": "Appendix", "beatId": "b1c7031a-197b-4429-9f35-74aeb400a94d", "matchId": "b3932922-9018-4be6-af46-aec76a4cc867", "beatType": null, "evidence": "Additional information and supporting data", "position": 4, "isPrimaryArc": true, "parentBeatType": null, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true } ], "arcBeats": [ { "from": 1, "to": 4, "label": "Setup", "description": "Introduction to the presentation and disclaimer" }, { "from": 5, "to": 9, "label": "Problem", "description": "Presentation of market sizing and business strategy" }, { "from": 10, "to": 21, "label": "Evidence", "description": "Presentation of key performance indicators (KPIs) and financial metrics" }, { "from": 22, "to": 30, "label": "Impact & Next Steps", "description": "Discussion of business strategy and path to profitability" }, { "from": 31, "to": 37, "label": "Appendix", "description": "Additional information and supporting data" } ], "loops": [ { "from": 5, "to": 9, "label": "Cost Of Inaction", "description": "Highlight the importance of Dave's business strategy" }, { "from": 10, "to": 21, "label": "Pareto Focus", "description": "Showcase key performance indicators (KPIs) and financial metrics" } ] }